Also, debt collectors can’t call you numerous times a day. Doing so is considered a form of harassment by the Federal Trade Commission (FTC) and is explicitly not allowed.

Can debt collectors call on federal holidays?

Yes, you can. If you don’t want a debt collector to call on holidays or you’re getting calls at unreasonable hours, you can send a letter requesting that they stop. Creditors must cease contacting you by phone once you make the request, but that doesn’t mean you don’t still owe the debt.

Is it illegal to call a debt collector on Sunday?

It’s not a per se violation of the FDCPA to make collection calls on Sunday. But if the collector knows it’s a bad time for you, it is a violation. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors and collection agencies from engaging in certain types of communications while collecting debts from consumers.

Can a debt collector harass you over the phone?

Debt collectors may not harass you or anyone else, over the phone or through any other form of contact when collecting on a debt. Also, if a debt collector knows that you are not allowed to receive the debt collector’s calls or communications at work then the debt collector is not allowed to contact you there.

Is it legal to sue a debt collector?

Yes. According to the Fair Debt Collection Practices Act (FDCPA) (which is part of the Consumer Credit Protection Act), there are certain things that debt collection agencies are absolutely not allowed to do. You have the right to request that they stop doing these things and can even take them to court if they continue these behaviors.

Where can I go to report a debt collector?

You can also report the debt collector to your state attorney general’s office or the Federal Trade Commission. Calling on a Sunday isn’t a violation, though, unless you’ve written the collector and asked him to stop calling you.