Can a Debt Collector Enter a Debtor's House?


Quick Answer

A debt collector does not have the right to go inside a debtor's home without their permission as of 2015, according to CTLawHelp. A debt collector also cannot contact friends, family or neighbors regarding a debtor's debt, however, as noted by the Federal Trade Commission, they can be contacted at least once in an effort to locate a debtor. Threatening a debtor with jail time is also prohibited under the Fair Debt Collection Practices Act.

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Full Answer

Debt collectors cannot continue to call a debtor at work once the debtor makes a request for them to stop, and debt collectors cannot verbally abuse debtors, as stated by the FTC. Additionally, debt collectors cannot request an amount of money that is larger than the original debt. They must send notices of any debt owed in writing, when requested by the debtor, as well as verify all debts that are disputed. Debt collectors also cannot call debtors before 8 a.m. or after 9 p.m.

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