How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Lucy, Esq. Your Own Question
Lucy, Esq.
Lucy, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 29981
Experience:  Lawyer
Type Your Consumer Protection Law Question Here...
Lucy, Esq. is online now
A new question is answered every 9 seconds

If a credit card company calls about a late payment and leaves

This answer was rated:

If a credit card company calls about a late payment and leaves a voice mail to call them, can the company continue to call the person that day?

My name is XXXXX XXXXX I'd be happy to answer your questions today.

The Fair Debt Collection Practices Act does not place any specific limits on how many times a debt collector may call in a day, although it does prohibit calls made without meaningful disclosure of the caller's identity or "causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number". Section 806. If you're talking about two calls in one day after leaving a message, that wouldn't be prohibited. If they're calling every half hour, that probably would.

The FDCPA allows the consumer to send a letter, via certified mail, stating that the debt collector is not permitted to continue calling. Section 805. The letter is effective as soon as they receive it. So, you would have the ability to insist that all communications be via mail. You could also insist that they cease all communications entirely, although that would not prevent them from suing on the debt. Here is a sample letter.

If you have any questions or concerns about what I've written, please reply so that I may address them. It's important to me that you are 100% satisfied with the service I provide. Otherwise, please rate my service positively so that I get credit for answering your question. Thank you.
Lucy, Esq. and 2 other Consumer Protection Law Specialists are ready to help you