Is there a law against how often and when debt collectors can call you?

Question

Im getting harrassed by a debt colector that already knows the debt is past its Statute of Limitations, and still continues to call me.

They call me day, night and the weekends.

What can I do to report them?
And does anyone have a link to where I can read what the laws are against debt collectors calling me.

Thank you.

Answer 1

They are violating the FTC regulations [CITE: 15USC1692d]regarding the collection of a debt.

You must follow certain procedures to get them to stop and perhaps even sue them in civil court.{CITE: 15USC1692k]

The clock on debt will reset if you pay this charge off and will remain a negative for seven years from date of last activity (the date they receive payment).
If you decide to ride it out, then the clock is considered to start from the last month/year of delinquency (last missed payment).
Check your states Sol at the following link
http://www.fair-debt-collection.com/sol-...
If this debt is time barred, then just let it ride out.

I invite you to join the following Yahoo group "DontGetRippedOff" dedicated to helping those in financial trouble, Here you will find information to help you with debt collection agencies.
http://finance.groups.yahoo.com/group/dontgetrippedoff/

Answer 2

The fact that a debt is past SOL only means you no longer have a legal obligation to pay the debt. The collection agency can still try to collect. Sometimes they do that banking on your ignorance of the law.
Send the collection agency a letter stating that you are aware of your rights as a consumer and the SOL has expired. Also include a paragraph stating that they cannot call you anymore.
Send the letter certified mail.
If they call after receiving the letter, they are in violation of federal law (FDCPA).

Answer 3

Being beyond the Statute of Limitations (SOL) doesn't mean the collector has to stop calling and trying to collect. The SOL is an affirmative defense if they sue you.

There are rules as to when and how often collectors can call and talk to you. If you aren't taking their phone calls, they can keep calling back. Check this site: http://www.ftc.gov/bcp/index.shtml

You can send them a certified, return receipt letter, telling them to cease and desist. That will make them go away. Unfortunately, they will probably sell the debt to another collector and you will have to send them a cease and desist letter.

Answer 4

There's an easy solution....mail them a "Cease Communications" letter via Registered Mail with Return Receipt...The link below shows how to do this. Per the Fair Debt Collection Act they are required by law to stop communicating with you. Being that this debt is outside of the statue of limitations...you are in a really good position.

To be safe...check your credit reports...Collection agencies have been known to tamper with the dates on credit reports to re-set the statue of limitations

Answer 5

Also make sure you get a validation of the debt from them. Check out the following site:

http://www.creditinfocenter.com/rebuild/debt_validation.shtml

Answer 6

sure thing they cannot call you more than once at home, once at work , contact your local state or province consumer protection agency listed under goverment in phone book . they will confirm your report and censur the company. next call if at work answer, no more calls at work, if at home no more calls at home . these people are low life bottom feeders just stay cool . these answers over phone will stop definatly report to consumer affairs agent will be investigated . good luck