If you’re dealing with repeated calls from a debt collection agency, you might be wondering—how many times can they legally call me in a day? At The Wood Firm PLLC, we help consumers understand their rights and take action against harassment under the Fair Debt Collection Practices Act (FDCPA).
If a collection agency is calling excessively, you may have a legal case against them.
How Many Times Can a Debt Collector Call You Per Day?
Under Consumer Financial Protection Bureau (CFPB) rules, debt collectors cannot call you more than 7 times within a 7-day period about a specific debt.
The 7-in-7 Rule: Debt Collection Call Limits
✔️ A debt collector can call a maximum of 7 times within 7 days per debt.
✔️ If they speak with you on the phone, they must wait 7 days before calling again.
✔️ Calls to different numbers (work, home, mobile) still count toward the 7-call limit.
🔹 Example: If a collector calls you 7 times on Monday about a debt, they cannot call again until the following Monday unless you initiate contact.
🔹 If you have multiple debts with the same collector, they can call you 7 times per debt.
What If a Debt Collector Calls More Than 7 Times in a Week?
🚨 If a collection agency exceeds the legal call limits, they may be violating the FDCPA, and you may be entitled to financial compensation.
Other Illegal Call Tactics Under the FDCPA
❌ Calling before 8 AM or after 9 PM (your local time).
❌ Calling you at work after being told not to.
❌ Leaving threatening or misleading voicemails.
❌ Contacting you after you’ve requested written communication only.
❌ Harassing, intimidating, or using abusive language.
➡️ If a debt collector is violating these rules, you may have the right to sue them for damages.
What Should You Do If a Debt Collector Is Calling Too Much?
If a collection agency is calling you excessively, follow these steps:
✅ Keep a Record of All Calls – Note the date, time, and phone number of each call.
✅ Request Debt Validation – Demand written proof that the debt is valid.
✅ Tell Them to Stop Calling – You can send a Cease and Desist Letter requesting that all contact stop.
✅ Report Violations – File complaints with the CFPB, FTC, or your state attorney general.
✅ Speak to a Consumer Protection Attorney – If a collector is breaking the law, you may be entitled to compensation of up to $1,000 per violation.
Are Debt Collectors Harassing You with Excessive Calls?
If you’re receiving too many calls from a debt collector, The Wood Firm PLLC can help you stop the harassment and take legal action.
📞 Call us at 844-638-1122
📧 Email us at help@protectionforconsumers.com
Don’t let debt collectors overwhelm you—know your rights and take action today!
