No, collectors are prohibited from contacting debtors before 8 a.m. or after 9 p.m. unless the debtor has given explicit permission to do so.
No, collectors are not allowed to disclose information about your debt to anyone other than you, your spouse, or your attorney.
No, collectors cannot threaten you with legal action unless they actually intend to take legal action and have the authority to do so.
No, if you have informed a collector that you cannot receive calls at work, they are required to cease all communication with you at your workplace.
Collectors can only charge fees or interest that are specifically allowed by the original contract or by state law. They cannot arbitrarily add additional charges to your debt.
No, a collector must obtain a court order before they can garnish your wages. They cannot do so without proper legal authorization.
No, once you have filed for bankruptcy, collectors are prohibited from contacting you in any way regarding your debt.
No, collectors cannot threaten to have you arrested for non-payment of a debt. Debtors’ prisons are illegal in most jurisdictions.
No, if you have sent a written request to a collector asking them to cease all communication with you, they are legally obligated to honor that request and can only contact you to confirm receipt of the request or to inform you of any legal action they may take.
This site contains general legal information but does not constitute professional legal advice for your particular situation. Persuing this glossary does not create an attorney-client or legal adviser relationship. If you have specific questions, please consult a qualified attorney licensed in your jurisdiction.
This glossary post was last updated: 5th April 2024.
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