Have you received multiple calls a day from the same debt collector?
Debt collectors are not allowed to repeatedly contact you throughout the day. The FDCPA protects consumers from abusive and harassing debt collection practices. Debt collectors are not allowed to perform any conduct that leads to harassment, oppression, or abuse. This includes calling a consumer repeatedly or continuously with the intent to annoy, abuse or harass.
Although the FDCPA does not state the exact number of calls that would constitute harassment, there is a large volume of case law that interprets three (3) or more calls a day from the same debt collector to be harassing.
When you are experiencing this form of debt collection harassment, it is extremely important that you document these calls. Remember that in a lawsuit, you cannot rely on the debt collector truthfully admitting to the number of times they called. Documentation is also important because it can become confusing as to who is calling and how often when you are receiving calls from multiple collection agencies.
To document phone calls from debt collectors, please do one or both of the following:
- Take a screenshot on your phone of the debt collector's caller ID; and
- Keep a call log with the date, time, and telephone number that called.
If you would like a copy of a call log to track calls, please contact us and we will provide you a free one.
If you have received or are receiving three (3) or more collection calls from the same debt collector in a single day, please contact our office for a free, no obligation consultation at 1-800-219-3577.