In many ways, debt is an unavoidable part of modern life. Whether the debt comes from significant investments or smaller purchases along the way, there comes a time when it becomes impossible to make the monthly payments.
Collection calls can feel humiliating, especially when you feel helpless to resolve the situation. However, debt collectors must follow specific rules when calling to collect a debt.
Here’s what you should know about the limitations for debt collectors so you can avoid harassment.
You can ask them to stop
Debt collectors will try many tactics to pressure you into paying your debt, even if you cannot afford it. In addition to calling your personal phone, they may also try to contact you at work.
You can tell a debt collector not to call you at work, even if you gave them your work number when you completed the application. You can also send a letter to let them know you cannot receive their calls at work.
If you choose to send a letter, you should send it through certified mail and require a signed receipt. The receipt serves as a record of your request if the collector violates your request.
I was contacted on social media; is that ok?
Similar to other contact methods, debt collectors must follow specific rules for contacting you through social media, including:
- Using only private messages
- Providing a way to opt out
- Identifying themselves as a debt collector
Collectors cannot try to use humiliation or peer pressure to publicly intimidate you on social media.
Dealing with a debt collector can be frustrating and stressful. It is essential to remember that they have limitations on how they can contact you.