Pennsylvania Letter to Debt Collector - Only call me on the following days and times
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How to fill out Pennsylvania Letter To Debt Collector - Only Call Me On The Following Days And Times?
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FAQ
Dear Debt collector name, I am responding to your contact about collecting a debt. You contacted me by phone/mail, on date and identified the debt as any information they gave you about the debt. I do not have any responsibility for the debt you're trying to collect.
You may ask a debt collector to contact you only by mail, or through your attorney, or set other limitations. Make sure you send your request in writing, send it by certified mail with a return receipt, and keep a copy of the letter and receipt.
You can report a debt collector's failure to respond to your state's attorney general, the Consumer Financial Protection Bureau (CFPB), or the FTC. You may also file a counterclaim against the debt collector for up to $1,000 for each violation.
Yes, a debt collector can call on Sunday, unless you've told them that Sunday is inconvenient for you. If you tell them not to call on Sunday, and they do so anyway, then the call violates the Fair Debt Collection Practices Act.
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.
The only permissible means of communicating is by regular mail. Alberta and Nova Scotia have a similar "three strikes" rule limiting the amount of contact from collectors within a seven-day consecutive period.
Federal law doesn't give a specific limit on the number of calls a debt collector can place to you. A debt collector may not call you repeatedly or continuously intending to annoy, abuse, or harass you or others who share the number.
The statute of limitations is a law that limits how long debt collectors can legally sue consumers for unpaid debt. The statute of limitations on debt varies by state and type of debt, ranging from three years to as long as 20 years.
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.