Everything Debt Collectors Aren’t Allowed to Do
If you’ve ever experienced a debt collector ringing you up because of making late payments, then you know how easy it is to either silent your phone, or just ignore them altogether as much as you possibly can.
Since their calling you regarding payments that need to be made to your bills, then you know you don’t have the money to pay them, so the question you’d probably like to ask them is “why are you phoning me”?
Whether you have the money to repay them or not, it’s still their job to collect your debt for whichever facility they represent.
Even though debt collectors present themselves as having a lot of power over individuals who owe debt, there are many things that they aren’t allowed to do, with one of them being that you have the right to request that they stop calling you, and in some cases, even take them to court.
What are debt collectors not allowed to do?
- They are not allowed to call you repeatedly, especially not in the same period.
- They are not allowed to call you at hours that you might not be able to pick up the phone, such as during work hours, at night, or early in the mornings. They are mostly allowed to call you between 8 am and 9 pm Monday to Saturdays.
- They are not allowed to threaten you with collecting your debt, or with the intent of exploiting your personal debt problems to your friends, family or employer.
- They are permitted to remain confidential and are not allowed to talk to anyone regarding your debt. They may only contact your employer or the HR department, to verify your employment and contact information.
- They are not allowed to speak to you and use any abusive or unprofessional language. If you ever experience such a case, you should immediately state what happened in a letter and forward it to the relevant collectors’ agency’s management department.
- They are not allowed to share your information regarding your situation with debt by any means, that may be displayed to others.
- They are not allowed to report any false information to the credit bureau or your credit report.
- They are not allowed to lie about anything, including the status of your debt or who they are.