When a debt already paid collector calling situation happens, it is usually because the original creditor sold your account before your final payment was properly recorded in their system. Do not rely on phone calls to explain the error. You must force a pause in collection activity by sending a formal written validation request with … Read more
Federal law prohibits debt collectors from calling you before 8:00 a.m. or after 9:00 p.m. in your local time zone. A call placed outside of these hours is not a minor oversight. It is a documentable violation of the Fair Debt Collection Practices Act. Missed calls and voicemails left during restricted hours still count as … Read more
Debt collectors are bound by strict federal rules under the FDCPA regarding when, where, and how often they can contact you. Every contact channel they use, from calling your workplace to texting your phone, is designed with a specific psychological goal in mind. You have the legal right to dictate how they communicate with you, … Read more