If you have been contacted by a debt collector, you may be wondering what regulations and rules govern debt collectors. For example, is it legal for a debt collector to call you at work? What hours can they call you? How often can they contact you?
Unfortunately, there are debt collectors that engage in unlawful harassment. There are also debt collection scams where criminals impersonate debt collection companies. However, there may be some debt collection practices that are perfectly legal until you inform the debt collection company of your preferences.
According to the FDCPA, or Federal Debt Collection Practices Act, there are number of different protocols an agency must follow when dealing with a consumer’s debt. Below is a brief overview of these rules. You can find more detailed information on the Consumer Financial Protection Bureau’s website as well as the Federal Trade Commission’s website.
Harassment is unlawful according to the FDCPA. Below are actions that the FDCPA considers harassment:
If you have questions or need to make a change to your account
In business since 1950, Convergent is one of America’s leading collections agencies. As an accredited agency, all of our representatives are thoroughly trained on customer service and Fair Debt Collection Practices Act compliance. We believe in customer service and want to make it easy as possible for people to pay the debts they owe.
800 SW 39th Street, Suite 100
Renton, WA 98057
7 am to 5 pm Pacific Time
Monday to Friday
New York City Residents: Please be advised that language access services, including the translation of information into a language other than English, may be available. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer and Worker Protection’s website, www.nyc.gov/dca