LawSmart.com

When And How Can A "Collector" Contact The Debtor?

The collector may contact your in person, telephone, mail, fax or telegram. The collector has limits as to the time they can legally call the debtor. Usually, the hours determined are not before 8 a.m. or after 9 p.m. unless the debtor has agreed to be contacted at a certain hour. The collector may call the person at work. However, the collector may not call if the employer disapproves. The employer can be contacted in the case of a legal action, such as wage garnishment.

Other Colorado Collections-Creditors Rights FAQs

Q: When Should A Small Business Employ A Collection Agency?
A: When indebtedness is 90 120 days delinquent, When inquiry disclosed serious customer financial reverses, falling sales or other creditor collection action, When … More
Q: Who Is A "Collector"?
A: A collector is any person who regularly collects debts owed to others. The collector may work for the creditor as an employee or as an agent for a collection service.
Q: What Kind Of Debt Can Be "Collected"?
A: Any money borrowed or is owed by a debtor. Such as credit cards, loans, mortgages, auto loans, medical bills, household utility accounts, phone bills etc.
Q: Who Can The Collector Contact To Get Information?
A: The collector may contact other people to locate the debtor. The collector may only be allowed to contact third parties only once. The collector is not allowed to … More

Collections-Creditors Rights Sub-categories

Chex Systems
Collections
Creditor Remedies in Bankruptcy
Debt Collections
Enforcement of Judgments
Fair Credit Reporting Act
Fair Debt Collection Practices Act

Identity Theft
Judicial Remedies
Mortgage Foreclosure
Non-Judicial Remedies
Secured Transactions
Types of Creditors