Is it legal for a debt collector to call your cell phone?

I never give a debt collector my cell number? Is there a way that they can get it, and isn't it illegal for them to contact you on your cell phone?





I know that it is illegal to call your place of work. I sorta use my cell for work as well.





Thanks!

Is it legal for a debt collector to call your cell phone?
The trick is to tell them (in writing) to cease and desist, and when they call you again, wham, you have a claim under the Fair Debt Collection Practices Act.


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Small advice: whenever you get advice from hexeliebe, reverse it and you'll be much closer to the truth.
Reply:first responder, you took the words right out of my mouth.





Hey, just don't answer the phone. You do have caller ID on your phone right - afer they call the first time, save them in your phone put bill collecter and give them a special ring tone.





then you don't even have to waste time running to your phone to see who it is.
Reply:nope, they can call your cell.





as for calling you at work, I thought those laws were different from State to State.
Reply:chances are you never gave your debt collector any information.





but you probably gave the number to the company the debt collector represents.





and why would it be illegal because "you sorta use your cell for work"?





"sorta" doesn't count.
Reply:It is not illegal to call your cell phone, your place of work or your mother in law's home.





You have false information.
Reply:pay your bills and you dont have to worry about anyone calling
Reply:I do not believe that they are suppose to call your cell phone and I think that they can get in trouble for doing so. I have never given out my number to anyone but family.
Reply:It is not illegal for them to call you at work unless you tell them not to call you there.





Your cell phone is a means to contact you - and they can use that means to try to collect a debt.





Here's a thought - pay the bill, or make arrangements to pay the bill. If you can afford a cell phone there is at least $25 a month that could be used to pay off your obligations.
Reply:It's not illegal for them to call your place of work. However, the only thing they can ask the folks at work is 1) Do you work there? and 2) When is your next pay day? If they ask anything other than that or attempt to get more personal information out of whoever answers the phone, it becomes illegal.





Regarding the cellphone issue: They can call any phone number which is in your name or where they are likely to reach you. There are guidelines for how many calls they can make and at what hours, but the phone is in YOUR name, not your employer's, so they are perfectly within their rights to call that number.
Reply:It's only illegal if you get an attorney and declare bankrupty, then all calls have to go to the attorney's office. It's been made a bit more difficult, but it's still possible especially if you have a serious illness or were laid off (if you just spent too much money, well....)
Reply:Here is a useful link to a summary of the Fair Debt Collection Practices Act, which explains how to keep a debt collector from calling you. One word of warning, though...if you refuse to talk to them to work something out, their only remaining option may be to sue you. Good Luck.





http://www.ftc.gov/bcp/index.shtml

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