Skip to Content
chevron-left chevron-right chevron-up chevron-right chevron-left arrow-back star phone quote checkbox-checked search wrench info shield play connection mobile coin-dollar spoon-knife ticket pushpin location gift fire feed bubbles home heart calendar price-tag credit-card clock envelop facebook instagram twitter youtube pinterest yelp google reddit linkedin envelope bbb pinterest homeadvisor angies

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.