How Many Times a Day Can a Debt Collector Call?
Debt collection is a stressful process, and many people are not aware of their rights when it comes to debt collection calls. The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the number of times a debt collector can call you in a day. In this article, we will discuss how many times a day a debt collector can call you and what steps you can take to stop unwanted collection calls.
How Many Times Can a Debt Collector Call in a Day?
Under the FDCPA, a debt collector cannot call you more than seven times in a day. If a debt collector calls you more than seven times in a day, they are breaking the law. However, it is essential to note that the FDCPA does not limit the number of collection calls a debt collector can make in a week or a month.
How to Stop Unwanted Collection Calls
If you are receiving unwanted collection calls, there are several steps you can take to stop them. Here are some tips:
Ask the Debt Collector to Stop Calling You
If you want a debt collector to stop calling you, you can ask them to do so. Under the FDCPA, debt collectors are required to stop calling you if you ask them to. You can notify the debt collector in writing or over the phone. If you notify the debt collector in writing, it is best to send the letter through certified mail with a return receipt request.
Dispute the Debt
If you believe that the debt collector is calling you about a debt that you do not owe, you can dispute the debt. Under the FDCPA, you have the right to dispute a debt. You should send a written request to the debt collector asking them to verify the debt. The debt collector must respond within 30 days of receiving your request.
Hire a Debt Relief Professional
If you are struggling with debt and are receiving collection calls, you may want to consider hiring a debt relief professional. A debt relief professional can help you negotiate a settlement with your creditors and stop collection calls. They can also provide you with advice on how to manage your debt.
What to Do If a Debt Collector Breaks the Law
If a debt collector breaks the law by calling you more than seven times in a day or by engaging in other harassing or abusive behavior, you can take legal action against them. You can file a complaint with the Consumer Financial Protection Bureau (CFPB) or hire an attorney to sue the debt collector.
Conclusion
Debt collection calls can be stressful and overwhelming. However, it is essential to know your rights when it comes to debt collection calls. Under the FDCPA, a debt collector cannot call you more than seven times in a day. If you are receiving unwanted collection calls, you can ask the debt collector to stop calling you, dispute the debt, or hire a debt relief professional. If a debt collector breaks the law, you can take legal action against them.
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