Debt Collection Cheatsheet

The FTC has a great, four-page overview of consumer rights relating to debt collection. Some of their tips include:

  1. Debt collectors can only contact you between the hours of 8AM and 9PM.
  2. If you want to stop debt collectors from contacting you, you must make a request in writing. Once the debt collector receives your letter, they can only contact you for two reasons: (1) to tell you they will no longer contact you; and/or (2) to inform you they intend to take a specific action—like filing a lawsuit.
  3. Broadly speaking, debt collectors cannot make any false statements when they speak with you.

If you have any questions or concerns about communications from debt collectors, contact the FTC or a consumer rights lawyer in your state.

Debt Collection FAQs: A Guide for Consumers| Federal Trade Commission

(photo: Desirée Delgado)