Even though a debt collector can contact you in person, over the phone, or through letters, there are limitations as to how he or she is able to pursue your debt obligation. For example, a debt collector isn’t allowed to call you before 8 A.M. or after 9 P.M. In addition, you are able to request that a debt collector doesn’t contact you at work.
The Fair Debt Collection Practices Act is a federal law that requires debt collectors to exercise respect and fairness when contacting debtors. As this video explains, the FDCPA applies to all consumer debts, including car loans, medical bills, and credit card bills. The best way to ensure that a debt collector is complying with FDCPA is to speak with a bankruptcy attorney.
Cutler & Associates, Ltd. of Aurora has more than 25 years of consumer bankruptcy experience.