Not so fast!!!
There are many limitations on debt collectors, here are just a few:
Debt collectors can only call between 8:00 am and 9:00 pm (unless you have agreed to other times).
It is illegal for debt collectors to harass, physically threaten you, or threaten you with arrest. They legally can’t threaten to sue you unless they are actually planning to litigate.
If you tell a debt collector either verbally, or in writing, not to call you at work, he or she must stop calling you at work.
A request to stop contacting you at your home must be in writing. As you see this is a restriction or a limitation on you, the reason why it needs to be in writing is so that there is no issue of he said she said i.e. hearsay.
Debt collectors can only call friends, relatives, or neighbors once, and cannot give out any information about your debt.
What the Federal Debt Collections Practices Act (FDCPA) and how this federal law protects individuals, also keep in mind that your state has its own debt collection practices act, it would be in your best interest to review to see the benefits afforded.
What steps you should take if you’re contacted by a collection agency, including sample cease and desist and request letters that you can send.
How to find a reputable service to help you deal with collection agencies, credit card companies, and other businesses to help you lower the amount you have to pay and get out of debt.
What is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that restricts the behavior of collection agencies when they are attempting to collect money from individuals. The law does not apply to collecting from businesses and it does not apply to collections performed by the entity that issued the bill you have not paid.
The law (a full copy of FDCPA can be found here) restricts the ways that collection agencies can contact you, the times of day and the number of times a collection agency can contact you, what they can say, and how you can get them to stop contacting you.
If the collection agency that is contacting you is blatantly violating the FDCPA, then there is a good chance it’s a scam and not a legitimate debt.
What To Do If A Collection Agency Contacts You? Although you may be embarrassed or surprised by the call or letter, the worst thing you can do is to ignore it. If you ignore it then you lose control of what happens and could easily end up in a far worse situation than if you work to solve the problem. you can simply demand that they validate as well as verify the debt, and you do this in writing! (https://www.ftc.gov/tips-advice/business-center/guidance/fair-debt-collection-practices-act)