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Continue Learning about Communications

Can a debt collector call your place of employment 15 times a day?

Can a debt collector call a place of employment and demand to speak with the debtor?


Do debt collectors have to provide consumers a toll-free number?

There is no requirement for a debt collector to provide a toll-free number, but most do, because it improves response rates.


Can debt collectors call of blocked id?

Debt collectors can call with a blocked id, the same as anyone else who wishes to remain anonymous and not have their number revealed. A debt collector can not call from a number that has been blocked, however.


How many times can a creditor telephone in one day?

By the Fair Debt Collections Practices Act, debt collectors may call once per day and either speak to the debtor or leave a simple message. If the debtor requests or gives permission for the collector to call additional times, then more calls are permitted. Anything more is harassment.


How do you get the collector to respond to your dispute?

The best way that I have found to do this is to send every letter registered mail so that they have to sign for the letter. This way you have proof that they have received it. The collector has to investigate the dispute within 30 days of receiving your letter, if not they are in violation of the fair debt collection practices act and you can sue them. If they fail to respond, send a letter directly to the credit reporting agency (i.e. Trans Union, Experian, and Equifax) along with copies of the proof that they received your dispute letters. They should directly remove the item from your credit report.