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There is a clause in the FDCA that says a CA can't call excessively. However, there is no definition of what is excessive. Which translates into "as often as they choose." There's no law that says you have to talk to them though. You can use voice mail, caller ID, etc. to screen calls. The myth that not communicating (if that's possible) with collection agencies will trigger a lawsuit, is just that a myth. You can also send a cease and desist letter. The only time they will be able to contact you after that is to inform you that legal action is being taken.

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9y ago

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