310-464-0504

How often can a debt collector call me?

That depends.  Under the FDCPA, a debt collector may not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them.  In practice, though, it can be difficult to determine whether and when a debt collector has crossed this line.  According to the Federal Trade Commission, a debt collector may almost certainly call you more than once, but six calls per day is probably too many.  Between these extremes, it depends on the facts of your particular case.




Know Your Rights!

Debt collectors violate the FDCPA when they make harassing, threatening, or misleading statements in order to trick you into making payments.  Don't be fooled!  Learn to recognize when debt collectors cross the line, and stand up for your rights!
Harassing and/or Abusive Statements violate the FDCPA:

   Threatening to have you arrested or jailed
   Threatening to take your SSI or other protected income
   Threatening to take your household furniture
   Threatening to cause physical injury to you or your property
   Threatening to send false information about you to the credit reporting agencies
   Using obscene or profane language

False and/or Misleading Statements violate the FDCPA:

   Misrepresenting the character, amount, or legal status of the debt
   Making empty threats to scare you
   Pretending to work for a credit reporting agency
   Pretending to work for a government agency
   Falsely claiming to be an attorney or to work with attorneys
   Sending you fake legal papers to confuse you, or telling you to ignore real legal papers.

Abusive and/or Unfair Practices violate the FDCPA:

   Calling you or any other person repeatedly with intent to annoy, harass, or abuse you, or any person at that number
   Calling you after you have sent a cease letter.
   Calling or contacting you without disclosing that they are debt collectors trying to collect a debt
   Collecting interest, fees, collection expenses, or other charges that are not authorized by your original payment agreement
   Soliciting postdated checks with the intent to threaten to expose you to criminal charges, or soliciting postdated checks and then threatening to deposit them early.
   Contacting you by postcard, or contacting you in any way that would disclose to a third party that they are debt collectors.

Are you experiencing any of the above?  Call the NYC Financial Justice Hotline at 212-925-4929.

This is a scam the man named Thomas Wright called me and said if I don't pay him money I will be in jail and I need to have my attorney call him I called the number back and it doesn't work its a non working number

This  statement should give you a clue as to the legitimacy of this company

This is a scam!!!! He called me today threatning me with a  arrest warrant and jail time if i didnt pay him a certin amount withing a hour. Its a scam i have reoported it to the police.and you should to! DONT SEND HIM ANY MONEY

This number called me Friday August 31,2012 while I was on my way out of town for my family reunion he said his name was Officer Charles Mcdaniel I had three charges filed against me using my social security and email address he had me scared and he even acted like he transferred me to another person he said I owed $1,400 I was dumb founded because I know I didn't owe anyone that type of money he said if you don't pay we are going to send the cops to your job to have you arrested and you won't make bail so I asked if they accepted payment plans he said how if you don't pay $700 today you will be arrested i said I don't have that kind of money then he said $350 I said I don't have it he said how much do you have I said $25 that's it I said what debt do I owe then he hung up my sister googled the number and that's when she told me it was a scam DO NOT GIVE HIM MONEY!!!!!

Any "officer" will be a tad more official.  They will not have a "full mailbox" for return calls.

This number called me at work at 10:00 AM said to call them back they are about to issue a warrant for my arrest.

This is a criminal extortion ring operating out of India. ABC News released an investigative report on it in June. The FTC has indicted one of its ringleaders for criminal fraud:

http://abcnews.go.com/Blotter/phantom-debt-co ... 16512428&page=1

http://www.ftc.gov/opa/2012/08/bgm.shtm

They  been call me so many time  a day and I wish they  stop  or I will change my number