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The key phrase is: 'I do not wish to be contacted anymore.' This clear statement forces debt collectors to respect your wishes and cease communication. Knowing this phrase is essential in addressing debt collector harassment without permission effectively.
However, the Federal Trade Commission recently clarified the rules regarding collections, now clarifying that collectors cannot call you more than seven times within a seven-day period or within seven days of speaking to you about a debt.
If you believe a debt collector is violating the law, you may report your complaint with the Attorney General's Office. The Office uses complaints to learn about misconduct.
This is where we get our "7-in-7" concept. You can attempt to contact a consumer about 1 debt 7 times in 7 days. And it's the "1 debt" that's key here. Phone numbers do not matter; how many debts your agency has for the consumer does.
If you believe a debt collector is harassing you, you can submit a complaint with the CFPB. You can also contact your state's attorney general. Learn more about debt collection.
There are laws to prohibit debt collectors from placing repeated or continuous telephone calls to annoy, abuse, or harass you or others who share your phone number. They're also prohibited from communicating with you at times or places that are inconvenient for you.