How many times a day can a creditor call?

I have read that collection agencies can not continue to call you at work if you have told them not to, I also have read that they can not call on Sundays, and they also can not call you so many times a day that it’s becoming harrassing. Does anyone know if that’s true?

Also, does this apply to creditors as well? I have one creditor calling me on Sundays, calling my husband at work(which I requested they stop doing that today), and also call 6-8 times a day(which I feel is harrassment). I told them that I should have my tax return back in a couple weeks and then we will pay what we owe to make things current, and they tell me that’s not a good enough financial arrangment and that these constant callings each day will continue.

Can they do that? I can understand it’s their job to call, but one time a day is sufficiant, this 6-8 times a day is beyond excessive. I mean if I don’t have the money one hour, do they really think an hour later I will have the money???? I also recall an agency to call to report things like this, although it was for collection agencies and not sure if it included to report creditors or not, but I can’t find the number or remember the agency. If anyone can help me out on this and tell me if they are within their rights with calling that many times a day or not, that would be great!

First, start keeping a log, write down the name of the person calling, the company, telephone number, date and time. After the first call of the day, gather the same info and tell them they are in violation of federal law and hang up. If they call right back, ask them if they mind you recording the conversation. Do this until you receive proof they received the drop dead letter.

You may send them a letter, via certified mail so that they sign for it and you have proof, it looks like this.


To Whom it may concern:

I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.



(Account No.)

After that, if they contact you, you have the legal right to sue and should contact the CA’s managers about resolution.

More info is available at: