Debt Collector Calling You? Know Your Rights
Federal law gives you real, enforceable rights around how and when a debt collector can call you. Here's what to know and what you can do about it.
What the FDCPA Says About Call Frequency and Timing
Under the FDCPA, collectors generally cannot call before 8 a.m. or after 9 p.m. in your local time zone, and cannot call so often that it amounts to harassment. For the specifics, the FTC and CFPB publish current, authoritative guidance on call frequency limits.
What Collectors Cannot Do on Calls
Threaten you with actions they can't legally take, such as arrest
Use profane or abusive language
Call repeatedly with intent to annoy or harass
Misrepresent the amount owed or their identity
See Debt Collector Harassment for the fuller picture and how to report violations.
How to Request They Stop Calling
- Send a written request asking the collector to only contact you in writing
- Keep a copy and send it via certified mail with return receipt
- If calls continue afterward, document each one — this may support a complaint or legal claim
For a stronger step, see Cease and Desist Letters.
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This information is for general education only and is not legal advice. Debt collection laws vary by state and change over time. Consult a licensed attorney for advice specific to your situation.