are collection agencies allowed by law to call after you've told them not to, and to communicate only by mail?

Answer 1

if you owe them they're not going to stop calling b/c you ask them.

Answer 2

See being working in one of the Boiler's Room.... A collection agent cannot call you on Weekends, he cannot call you more than once in the same day if he has contacted you once in a day etc. There are more norms like this.

And regarding communication by mail, yes that is possible if you send a written request to the concerned Collection Agency.

Answer 3

No they are not. This activity is covered under the FDCPA (Fair debt and collection practices act) and applies to ANY third party collector. All collection agencies are third party collectors. You may have to notify them in writing, via certified mail so you can proove that you did notify them to contact you via mail only, no phone contact ever. If they continue to call, tell them you are going to file a complaint for FDCPA violations. While this will probably stop the phone calls, it could also speed up their decision to file legal action since you have eliminated their ability to communicate with you by phone. The really best option is to make payment arrangements with them and get it out of your hair for good.

Answer 4

Absosmurfly.
You can tell them that you are not allowed to accept personal calls at your place of employment, and they won't be allowed to continue calling you there, but they can call you at home as often as they like.
Work it out with them or get caller ID, or change your phone number.
Other than that I guess you can file bankruptcy, and make it stop.
A bankruptcy lawyer will do a consultation for free.
Your best bet is to make arrangements with all of your creditors.
See if you can't get them to suspend interest fees, so long as you agree to make a monthly payment on time. It's the same thing that a credit counseling service will do. I wish I could tell you of a reputable credit counseling service, but I've never heard of one.
Good Luck

Answer 5

They have every right to call and harrass you. They are trying to collect a debt, and even if you tell them not to call, they still can. I used to work for a collection agency, and when someone would tell them not to call, they would just laugh and make a note in the system, but it wouldn't stop them from calling. They have a legal right to call you b/c you owe them money.

Answer 6

And something else they do not tell you there is a statute of limitations in each state. Another thing once you have told them that you do not owe the bill they have to stop all collection processes, now once the statute of limitations is up, and they call tell them that you do not owe the bill and that the statute has expired. If you acknowledge the bill then it starts the statute all over again.

Answer 7

The Fair Debt Collection Practices Act governs this. Read it in the link from the girl above. I the creditor violates on of those sections and are found liable in court, they can be required to pay your attorney's fees under the Act.

Answer 8

Yes they can, but depending on state. For the most part, they are allowed 1 call per day!

805 A of the Act gives them permision. I don't see any other reference. Can someone point it out? My state allows one call per day!

It seems like tou have to prove intent!

intent to annoy, abuse, or harass any person at the called number,

Answer 9

No, but in order for it to be legal you have to send the a "cease and desist" letter. Once you have done that they can only legally send you correspondence by mail, no phone calls. No matter what state you are in.

Answer 10

Yes they are allowed to. They will keep calling until you pay what you owe, which is fair. Just pay them back and they will stop calling.

Answer 11

they are allowed to call no later than 8:45 pm.