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Consumer guide

Creditor harassment and your rights

Last updated .

Key facts

  • Creditor harassment reportingThe CFPB's consumer tools hub for debt collection explains a consumer's rights and how to submit a complaint about a debt collector.[1]
  • Debt collector call time windowUnder the Fair Debt Collection Practices Act, absent knowledge to the contrary a debt collector must assume the convenient time to contact a consumer is after 8 a.m. and before 9 p.m. local time at the consumer's location.[2]
  • Debt collector false representationThe Fair Debt Collection Practices Act bars a debt collector from threatening to take any action that cannot legally be taken or that is not intended to be taken.[3]
  • Debt collector harassment conductThe CFPB's Regulation F bars a debt collector from any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with collecting a debt.[4]

Sources

  1. Consumer Financial Protection Bureau. Debt collection.
  2. Cornell Law School Legal Information Institute. 15 U.S. Code 1692c - Communication in connection with debt collection.
  3. Cornell Law School Legal Information Institute. 15 U.S. Code 1692e - False or misleading representations.
  4. Consumer Financial Protection Bureau. 12 CFR 1006.14 - Harassing, oppressive, or abusive conduct.