## When can a debt collector contact me?
Also asked: call me at work, what hours, times of day, contact at my job
Not at an inconvenient time or place. Generally **not before 8 a.m. or after 9 p.m.**, and **not at work** if the collector knows your employer forbids it.

## How do I stop a debt collector from contacting me?
Send a **written letter** telling them to stop. Once they receive it, they may only contact you to confirm they will stop, or to say they are taking a specific action such as filing a lawsuit.

Keep a copy and send it so delivery can be proven.

## Can a debt collector threaten or harass me?
Also asked: can a debt collector threaten me, threaten me, threaten, threats, harassment, harass, abusive, swearing, calling repeatedly, intimidation
No harassment, oppression, or abuse: **no threats of violence**, no obscene language, no repeated calls meant to annoy, and no publishing your name as someone who refuses to pay.

## Can a debt collector lie to me?
No. They cannot pose as an attorney or government official, claim you committed a crime, misstate what you owe, or **threaten action they cannot legally take**.

## What must a debt collector tell me?
Within **five days** of first contact they must send written notice of the amount owed, the name of the creditor, and your right to dispute the debt.

## How do I dispute a debt?
Dispute it **in writing within 30 days** of that notice. Collection must then stop until the collector mails you verification of the debt.