How do You Know When a Debt Collector Breaks the Law and What Can You Do about It?


Debt collectors are subject to the law just like anyone else. The reports of debt collection abuse are again on the rise. If you are being harassed by a debt collector, you should familiarize yourself with what they are allowed to do within the scope of the federal Fair Debt Collections Practices Act (FDCPA).

A debt collector is allowed to contact you in person, by telephone, by mail or by telegram. They may not contact you at inconvenient times, such as early morning before 8 am or late night, after 9 pm. They can't call you at your place of business if you have notified them that your employer does not allow it. They also can't contact you if you have retained an attorney concerning that debt.

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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

© Jay Fleischman, Shaev & Fleischman LLP | Attorney Advertising

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