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What are important points about contact from creditors?

A major concern for Florida debtors who are having financial challenges is the constant contact from creditors. The debt is worrisome enough without the stress of those collection calls. Those who are struggling with debt should be aware that they have certain rights and there are things that creditors and debt collectors are not legally allowed to do. With debt collector contact, it is vital to remember that consumers are protected. If their rights are violated, it is the debt collector who can face problems due to their activities in the interest of collecting a debt.

Debt collectors are not allowed to call or make contact anytime they want. They are limited to calling between 8 a.m. and 9 p.m. They cannot contact the debtor at work if they have been told not to. A debt collector can make contact through telephone, email, regular mail and text message if they adhere to the rules. Debtors might want to try to see if a plan can be worked out to pay for what is owed before taking steps to stop the contact. After that, the debtor should tell the debt collector in writing to stop making contact.

A worry for debtors is if the debt collector begins contacting others about the debt. When the debtor has legal representation, the debt collector must call the attorney. Others can be contacted but only to get the debtor's address, telephone number and work location. In general, debt collectors can only contact a third party once. The debt is not to be discussed with anyone other than the debtor, a spouse and the legal representation.

Creditor harassment is not a pleasant thing to deal with and there are laws that protect debtors from it. When the contact appears to be getting more aggressive and there are laws being violated, it is important to have protection against these activities. Speaking to an attorney who is experienced in contact language and what collectors can and cannot do can put a stop to these behaviors and protect a person as he or she deals with financial issues.

Source: consumer.ftc.gov, "Debt Collection," accessed on Sept. 19, 2017

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