If you are having credit problems, it is important to know what creditors and collection agencies may and may not do to collect debts.
The state Consumer Protection Act prohibits some debt collection practices. When dealing directly with you, creditors and collection agencies may not:
Call you more than twice for each debt in each 7 day period at home, or call you more than twice for each debt in each 30 day period at someplace other than your home.
Call you without identifying both the name of the creditor and the name of the person calling.
Call you at times other than your normal waking hours. If your waking hours are unknown, then the creditor or collector may only call between 8:00 a.m. and 9:00 p.m.
Visit your home at times other than those mentioned above. A collector cannot visit more than once in any 30 day period for each debt, unless you give permission for additional visits.
Cause you to be charged for long distance calls (or other similar costs).
Call you at work if you requested that they not call. Your oral request is valid for only 10 days, unless you confirm it in writing within 7 days of making the request....
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