YOUR RIGHTS · DEBT COLLECTION

Debt collector calling again?

Know the federal limits

Photo: Dennis Cortés / Wikimedia Commons, CC0

Call limit

7 in 7

calls per debt, per week

More than that is presumed harassment under Regulation F.

Photo: Dennis Cortés / Wikimedia Commons, CC0

After you talk

7 days

with no calls about that debt

The day you talked counts as day one.

Photo: Dennis Cortés / Wikimedia Commons, CC0

Banned hours

8–9

no calls before 8 a.m. or after 9 p.m.

Tell them other times that do not work for you.

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Make them stop

1 letter

asking them to cease contact

Send it by certified mail and keep a copy.

Photo: Dennis Cortés / Wikimedia Commons, CC0

If they break the law

$1,000

in extra damages, plus actual damages

File within 1 year, or report them to the CFPB.

Photo: Dennis Cortés / Wikimedia Commons, CC0

Know your rights

6 steps, what to say and how to report

Read the full guide

nexgenheadlines.com

Photo: Dennis Cortés / Wikimedia Commons, CC0