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Debt Collection Laws

There are laws in place to protect you from unlawful debt collection activities, deceptive practices, and harassment for debt.

Debt Collection Laws and Creditor Harassment

Overall, credit card companies, lenders, and other creditors cannot:

  • Call you early in the morning or late at night
  • Call you at your job (but only if you tell the debt collector you can't get collection calls at work)
  • Contact you directly if you have an attorney
  • Contact other people about your debt or bother your family
  • Contact you at all (but only if you tell them in writing not to)
  • Harass you, your friends, or your family

Note: The fact that a creditor can't contact you directly if you have an attorney is a very good reason to get one. An attorney can also help you understand your rights to consumer credit and not being harassed and may be able to negotiate a settlement or a payment plan with a creditor.

Learn About Debt Collection Laws

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