Getting Calls From Debt Collectors?


Calls from a debt collector or collection agency can be stressful. Phone calls are one of the primary means debt collectors use to collect debt. The others are mail, email, and credit reporting. Some of the largest debt collectors include Midland Credit Management, Portfolio Recovery Associates, Allied Interstate, IC Systems, and Frontline Asset Strategies.

If you have questions on how to deal with debt collectors or how to respond to calls from a collection agency, call us for help. We review all cases for free. And, if there is something we can do to help, we won’t charge you any money. To get a free case review, call us or fill out our free case review form.

Let us answer your questions:

Why is a debt collector calling me?

"You should document the number that called ... and the date of the call."

Many debt collectors use the phone as their primary collection tool. So, you got a call from a collection agency because it thinks you owe a debt and it’s try to collect the debt from you.

You should document the number that called you and the date of the call. If you can, also record the name of the entity and the individual that called.

Know that the debt collector calling you may not be the company that owns your debt. Banks, creditors, and debt buyers often hire collection agencies to make calls to collect debt. If you received a call from a debt collector, it may not own the debt it is seeking to collect. 

Should I answer debt collector calls?

We suggest answering collection calls only if you know you owe a debt, you know the debt is accurate, and you can pay the debt. Otherwise, there isn’t much benefit to answering a call from a debt collector. If you can’t pay, responding to collection calls generally won’t buy you time or prevent a lawsuit from being filed.

You may want to answer a debt collection call to request verification or to cease communications. You have the right to verify that a debt is owed or accurate. You also have the right to tell debt collectors to stop contacting you. If you want to dispute a debt or tell a collection agency to stop calling, you may want to answer the phone.

How many times a day can a debt collector call?

There is no specific limit on the amount of calls a debt collector can make in a single day. That said, a large amount of calls in a single day, over the course of a few days, or over weeks or months may constitute unlawful harassment. 

Generally, collection agencies can’t call your repeatedly or continuously intending to annoy, abuse, or harass you. Debt collectors also shouldn’t call you at inconvenient times or places, like at work, another person’s residence, or outside the hours of 8am-9pm. 

Are threatening debt collection calls unlawful?

Just because you got a call from a debt collector does not mean the collection agency broke the law. That said, collectors sometimes make unlawful threats over the phone.

 Unlawful threats may include:

Collection agencies also may make false or misleading over the phone, which themselves may be unlawful. 

Common unlawful statements include:

If you’re getting aggressive calls from debt collectors, or if collection agencies are calling and making unlawful threats or false statements, visit our debt harassment page to see how we can help.

Can debt collectors call family and friends?

Often times, debt collectors contact relatives about debt. There are limited circumstances in which collection agencies can call family and friends. Many times, collection calls made to family members, neighbors, or acquaintances do not meet the requirements of the law.

Sometimes, collection agencies call employers. Like calls to family and friends, collection calls to employers are limited. If debt collectors call your work and do not follow the law, you may be able to stop them.

Hire us to help!

If you’re getting calls from collection agencies, debt collectors, lawyers, or law firms, please contact us for help. To get a free case review, please call us or complete our our free case review form.

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