Q: How many times a day are debt collectors legally allowed to call my home?
A:
There is no fixed limit, but a debt collector is not permitted to call you so often that it constitutes harassment. For more information, see here:
https://www.consumerfinance.gov/ask-cfpb/is-there-a-limit-to-how-many-times-a-debt-collector-can-call-me-en-1397/
As always, you get what you pay for. Be sure to talk to a qualified attorney about your specific circumstances, before choosing to rely on information you get from internet discussion boards such as this one.
A:
There is no bright line for the exact amount of calls that violates the law. Courts determine harassment on a case by case basis, considering the number and content of the phone calls, as well as whether third parties are contacted.
Also, you should know that if your creditor is calling you (as opposed to a debt collector), the Fair Debt Collection Act does not limit the amount of calls. In fact, creditors are not "debt collectors" under the FDCPA and they are not governed by the rules.
Finally, you can stop the calls by simply sending a "cease and desist" letter to the debt collector.
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