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Telephone Consumer Protection Act

How Many Calls from a Debt Collector Is Considered Harassment?

Get Help from a Debt Collection Harassment Attorney in Chicago

In 1991, the Telephone Consumer Protection Act (TCPA) was enacted in an effort to regulate telemarketers who disturb consumers with telephone solicitations and robocalls or automated messages. Enforced by the Federal Communications Commission, the TCPA is meant to protect the rights of consumers from annoying telemarketing practices unless the consumer has "prior express consent."

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  • Did you know…Sending unsolicited text messages is harassment? That’s right - debt collectors aren’t allowed to send you text messages intending to trick you or harass you. This includes messages that deceive you into calling them back. In 2015, the Federal Trade Commission discovered and halted three debt collection schemes that were doing just that – evoking phone calls from debtors through deceitful texts. Today, victims of debt collector harassment are still protected by the FTC’s rules. Sometimes, illegal texts from debt collectors include some kind “hook,” such as a fake payment confirmation or falsified message about a declined payment, along with a phone number. If you receive even one message like this from a debt collector, you’re being harassed and should speak with a lawyer.
  • Did you know…Telemarketers are not allowed you call you before 8:00 a.m. or after 9:00 p.m.? Telemarketers are held to a high standard of consumer protection. Generally speaking, telemarketing (sometimes called “insider sales”) is any attempt to solicit potential customers via phone calls. While telemarketing itself is not illegal, the standard of acceptable conduct for telemarketers is strict. If a telemarketer contacts you after 9:00 p.m., for example, you may have a case for harassment. That’s because telemarketers are not permitted to call you after 9:00 p.m. or before 8:00 a.m. If you’ve received these kinds of calls outside of the appropriate calling time, speak with an attorney about your legal rights and options.
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