Are Debt Collectors Allowed to Call Your Cell Phone?

by DeLadurantey Law Office, LLC on January 22, 2014

Are Debt Collectors Allowed to Call Your Cell Phone?When it comes to debt collectors, they use every resource available to collect debts. Remember, your Facebook account that is open to the public for viewing can provide a great resource for debt collectors. A common question from clients is whether debt collectors can call debtors on their cell phone.

The answer depends on the circumstances of the call. If the collector uses an auto-dialing service or a pre-recorded message to contact you on your cell phone, it is possible they are violating the Telephone Consumer Protection Act (TCPA). An auto dialer is a call generated by a computer.

You must first determine whether you provided the debt collector or the original creditor with permission to call your cell phone. If so, then it is probably appropriate for the collector to call your cell phone, even by using an auto dialer. However, if you never gave the collector permission to contact you by calling your cell phone, the use of the auto dialer to call your cell phone may violate the law.

Can you revoke your permission to contact you on your cell phone? If you regret providing a creditor with permission to call your cell phone, you should send a written revocation of your permission. To be safe, you should send this letter by certified mail, return receipt requested, to the creditor and/or debt collector. If you are not sure if you gave permission, it is still beneficial to send a written request to stop auto dialing your cell phone. In most cases, your written request will resolve the issue. However, if a debt collector continues to contact you on your cell phone after you have revoked permission to do so, you may be entitled to $500 – $1500 per call.

If you are tired of being harassed by debt collectors, the attorneys at DeLadurantey Law Office, LLC can help you understand your debt relief options, including filing a Chapter 7 or Chapter 13 bankruptcy.
Contact The “Milwaukee Bankruptcy Attorneys,” DeLadurantey Law Office. LLC for all your Chapter 7 and Chapter 13 bankruptcy needs.  Whether you need debt negotiations or debt relief, or even foreclosure defense, DeLadurantey Law Office will handles bankruptcy matters for the following location – Milwaukee, South Milwaukee, West Milwaukee, Waukesha City, Waukesha Town, Kenosha, Racine, and all other municipalities in Milwaukee County, Waukesha County, Kenosha County, and Racine County.  DeLadurantey Law Office, LLC can be contacted by phone at (414) 377-0518.

 

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