The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. This Act sets forth strict rules regarding communicating with the debtor.
The collector is restricted in the type of contact he can make with the debtor. He can't contact the debtor before 8:00 a.m. or after 9:00 p.m. He can contact the debtor at home, but cannot contact the debtor at the debtor's club or church or at a school meeting of some sort. The debtor cannot be contacted at work if his employer objects. If the debtor tells the creditor the name of his attorney, any future contacts must be made with the attorney and not with the debtor.
Title: New Hampshire Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor Keywords: New Hampshire, debt collection, debtor, letter, informing, days, time, contact, collector Description: A New Hampshire Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor is a formal notification sent by a debtor to a debt collector, outlining the specific days and times during which the collector is permitted to contact the debtor regarding unpaid debts or outstanding balances. This letter is an essential tool in protecting the debtor's rights and preventing harassment or excessive communication from debt collectors. Types of New Hampshire Letters Informing Debt Collector as to Days and Time Collector May Contact Debtor: 1. Standard New Hampshire Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor: This type of letter serves as a general notification to the debt collector and provides the debtor's preferred days and times for contact. The letter should clearly state the specific hours and days of the week during which the debtor is available to receive calls or correspondences related to the debt. 2. Restrictive New Hampshire Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor: In certain situations, debtors may choose to restrict the contact hours even further, allowing debt collectors to contact them only during specific intervals. This type of letter specifies narrow time frames for communication, providing the debtor with better control over their daily activities and allowing for a more manageable debt resolution process. 3. Emergency Only New Hampshire Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor: Under exceptional circumstances, a debtor may wish to limit all contact to emergency situations only. This type of letter establishes that debt collectors are only permitted to contact the debtor if there is an urgent matter related to the debt. This ensures minimal disruption to the debtor's daily life and encourages debt collectors to communicate through other means, such as postal mail or email, for non-urgent matters. Regardless of the type, all New Hampshire Letters Informing Debt Collector as to Days and Time Collector May Contact Debtor should include the debtor's contact information, including the current address and telephone number, to ensure accurate communication. These letters help debtors maintain control over their financial-related communications and establish clear boundaries for debt collectors, fostering a fair and respectful debt resolution process.
