Florida Letter to Debt Collector - Only call me on the following days and times
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FAQ
When a debt collector contacts you, avoid making promises you cannot keep. Don't admit to owing the debt or share personal financial details, as this could lead to further complications. Instead, use a Florida Letter to Debt Collector - Only call me on the following days and times to assert your rights and manage the communication effectively. You can also seek help on platforms like US Legal Forms to craft a professional letter that outlines your preferences.
The only permissible means of communicating is by regular mail. Alberta and Nova Scotia have a similar "three strikes" rule limiting the amount of contact from collectors within a seven-day consecutive period.
Also, debt collectors can't call you numerous times a day. Doing so is considered a form of harassment by the Federal Trade Commission (FTC) and is explicitly not allowed.
Yes, a debt collector can call on Sunday, unless you've told them that Sunday is inconvenient for you. If you tell them not to call on Sunday, and they do so anyway, then the call violates the Fair Debt Collection Practices Act.
Debt collectors can't contact you before 8 a.m. or after 9 p.m., unless you agree to it. They also can't contact you at work if you tell them you're not allowed to get calls there. How can a debt collector contact me?
Federal law protects you against harassment and unfair treatment by debt collectors. While they can call on Sundays, they can't call outside normal hours or at inconvenient times. Read more to learn how you can take back your Sundays by learning about consumer protection laws and how collection agencies work.
Federal law doesn't give a specific limit on the number of calls a debt collector can place to you. A debt collector may not call you repeatedly or continuously intending to annoy, abuse, or harass you or others who share the number.
Generally, debt collectors cannot call you at an unusual time or place, or at a time or place they know is inconvenient to you and they are prohibited from contacting you before 8 a.m. or after 9 p.m.
The statute of limitations is a law that limits how long debt collectors can legally sue consumers for unpaid debt. The statute of limitations on debt varies by state and type of debt, ranging from three years to as long as 20 years.
