4 Things Debt Collectors are Not Allowed to Do

The phone is ringing again, and you do know, it is no one else than a debt collection agent. You are trying hard to ignore them because you really do not have anything to pay them because you are going through a bad time financially. But still their consistent calls are annoying you. Is there anything you can do about that and get them to stop calling you? Well yes, you can!

According to FDCPA (Fair Debt Collection Practices Act), there are few certain things that debt collectors are not allowed to do, like any kind of harassment, abuse and invasion of privacy etc. You certainly have rights to protest such kind of malicious activity and even can stop them and can take them to the court if they continue to have these behaviors.

If you are a debtor, struggling with debt collectors and their attitudes, then ensure that you are aware of the truth, what debt collection agencies are not allowed to do!

Here are some facts about your rights listed below –

Debt Collectors are allowed to call you over and over again –

According to FDCPA, the debt collector cannot disturb your privacy. Repeated telephone calls until you pick up is against the Fair Debt Collection Practices Act rules.

They cannot call at odd hours –

It is the law that they can only call you between 8 am and 9 pm (local hours) in Monday to Saturday and between 1 pm to 5 pm on Sunday. Getting calls outside of those hours is strictly prohibited.

Note that, they are not permitted to call you on official holidays. If you are getting calls at the midnight, you certainly have the rights to force them to not to do that again.

They cannot threaten you –

If any debt agent is threatening you and using abusive language and harassing you, you can protest it. Debt collection companies are not permitted to do so! If any collection agency’s behavior is such like that, you can take the matter to the court.

They cannot share your debt info with others –

Debt information is subject to the collection agency and the creditor; revealing the information about your debt to your neighbours or someone else is strictly prohibited. They are not allowed to publish any information about your debts by any means, as they are instructed to keep your debt problems private.

So friends, these are the truths that what debt collection agencies are not allowed to do!