A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9pm at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.
Debt collectors can contact you by phone, letter, email or text message to collect a debt, as long as they follow the rules and disclose that they are debt collectors. No matter how they communicate with you, it’s against the law for a debt collector to pretend to be someone else, like an attorney or government agency, or to harass, threaten or deceive you.
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