Collection Agency Rules

You have the right to

  • Be told in writing that your account has been turned over to collections
  • Confidentiality: A collection agency cannot discuss your debt with anyone other than your creditor or a co-signer, unless you give them permission
  • Ask to be contacted in writing only. The calls will then stop
  • Ask for a statement of account every 6 months that shows the amounts you have paid and the balance you owe

A collection agency has the right to

  • Call you at home or at work
  • Call any time after 7 a.m. and before 9 p.m., except on holidays
  • Discuss details of your debt with you and the creditor
  • Contact your friends, employer, relatives, or neighbors to get your telephone number and address only
  • Contact a person who has co-signed for the credit that is now overdue
  • Contact a person if you have given permission for them to be contacted

A collection agency cannot

  • Try to collect debt without writing to you first
  • Use threats or language to frighten and intimidate you
  • Pressure you to repay the debt to the point of harassment
  • Give you false or misleading information
  • Add any costs to the debt you owe
  • Contact you on holidays, unless you ask them to
  • Contact you before 7 a.m. or after 9 p.m., unless you ask them to
  • Contact you on Sundays before 1 pm or after 5 pm, unless you ask them to
  • Contact your friends, employer, relatives or neighbors for any information about you other than your telephone number or address
  • Suggest that any of these people mentioned above pay your debt
  • Call your cell phone, unless you ask them to
  • Pretend to be a lawyer or legal authority
  • Take you to court without permission from your creditor
  • Involve police or send you to jail
  • Take your property
November 12, 2014
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