Rhode Island Letter to Debt Collector - Only call me on the following days and times
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How to fill out Letter To Debt Collector - Only Call Me On The Following Days And Times?
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FAQ
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.
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.
What Debt Collectors Can't Do Under the Federal FDCPA. The federal FDCPA prohibits debt collectors and collection agencies from doing any of the following. Calling you repeatedly or contacting you at an unreasonable time (the law presumes that before 8 a.m. or after 9 p.m. is unreasonable).
How Long Can a Debt Collector Pursue an Old Debt? Each state has a law referred to as a statute of limitations that spells out the time period during which a creditor or collector may sue borrowers to collect debts. In most states, they run between four and six years after the last payment was made on the debt.
The FDCPA Prohibits Sunday Calls if They're Inconvenient in Your Situation. While Sunday calls don't automatically violate the FDCPA, they are prohibited if the collector knows that Sunday is not a good day for you to receive collection calls.
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.
The FDCPA Prohibits Sunday Calls if They're Inconvenient in Your Situation. While Sunday calls don't automatically violate the FDCPA, they are prohibited if the collector knows that Sunday is not a good day for you to receive collection calls.
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.