Communications in connection with debt collection, per 15 USC 1692c of the FDCPA, has a clear explanation about this aspect. It states “Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock anti-meridian and before 9 o’clock post-meridian, local time at the consumer’s location[.]”
The FDCPA also states that if a consumer is represented by an attorney and has informed a debt collector of this fact, the debt collector cannot communicate with that consumer anymore. Moreover, if the debt collector knows that the consumer’s employer disapproves of the collector’s visits to the consumer’s work place, the collector must stop all such visits or phone calls on office numbers.
With the debt collection laws in place, consumers have a shield to protect them from debt collection harassment. If a debt collector visits you at your home or office against your wishes you can quote from the debt collection laws. Such knowledge should arrest these mean collectors in their tracks – consumers who know their rights are often left alone.
Contact an FDCPA attorney well-versed in the debt collection laws if you are being harassed by debt collectors. An FDCPA attorney can represent you and help you to take legal action to enforce your rights and even obtain compensation. You may contact Krohn & Moss Ltd. CONSUMER LAW CENTER®’s qualified FDCPA attorneys. These attorneys have helped stop thousands of debt collection violations.