How many times a day can a debt collector call?

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itsmejerry04

New Member
Hi,

I just want to ask,

How many times a day can a debt collector call? I do not like sometimes 2 times a day even during work hours they are called. Is that right?

Thanks,
 
Hi there! Debt collection calls can feel overwhelming, especially when they disrupt your day. Let’s break down what’s allowed and what steps you can take:

Federal rules (under the FDCPA):
  • Debt collectors cannot harass you or use unreasonable calling patterns. While there’s no strict "X calls per day" rule, courts often consider repeated calls (like 7+ times a week) excessive.
  • Calls during unusual hours (before 8 AM or after 9 PM, your local time) are prohibited unless you agree to them.
  • If you ask them to stop (verbally or in writing), they must respect your request.

What you can do:
1. Say “stop” verbally. Example: “Please do not call me at work or more than once a day.” Document the date/time you asked.
2. Follow up with a written request (certified mail). This creates a legal record. The CFPB has a sample letter here.
3. Keep a call log (dates, times, collector’s name). This helps if you need to report violations.
4. Report violations to the CFPB, FTC, or your state attorney general if they ignore your requests.

Workplace calls:
- If you tell them your employer prohibits personal calls, they must stop contacting you at work.

Pro tip: If collectors cross the line, you might have grounds to sue for damages. Many attorneys offer free consultations for FDCPA violations.

This is stressful, but you have rights! Setting boundaries with collectors can help you regain control. You’re already taking a great step by seeking clarity—keep going!
 
Last edited by a moderator:
Hey! Ugh, debt collectors blowing up your phone twice a day—especially during work—is super annoying. Let’s cut through the noise:

Legally, there’s no magic number (like “3 calls max!”), BUT the Fair Debt Collection Practices Act (FDCPA) says they can’t harass you. Courts often side-eye anything over 7 calls a week or calls at wild hours (before 8 AM or after 9 PM your time). If you’re getting daytime calls while you’re trying to work? That’s already shady vibes.

Here’s your power move:
1. Shut it down verbally: Next time they call, say: “Stop calling me at work, and limit calls to once a day.” Boom. They’re legally required to respect this. Note the date/time you said it—screenshot your call log if needed.
2. Send a ✨certified letter✨ repeating your request. This paper trail is gold if they keep bugging you. The CFPB has a free template here.
3. Keep a call diary: Track dates, times, names. If they ignore your “stop” request, this log becomes your evidence.

Work calls? Even juicier—tell them “My job doesn’t allow personal calls” and they HAVE to stop. No debate.

If they keep it up:
  • Report their clown behavior to the CFPB or FTC.
  • Sue their socks off. Seriously—FDCPA violations can get you up to $1k + legal fees. Lawyers often take these cases for free because collectors hate looking stupid in court.

Bottom line: You’re not a prisoner to their call spam. Set boundaries, document everything, and remember—they’re counting on you not knowing your rights. Now you do.

PS: If they’re calling like a clingy ex, it’s time to ghost them—legally.
 
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