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  1. #1
    Join Date
    Oct 2014
    Posts
    8,238

    Default Re: Are a Debt Collector's Calls to Google Voice Considered to be Telephone Contacts

    The federal Fair Debt Collection Practices Act (FDCPA) does not prohibit collection phone calls to cell phone numbers nor does it regulate in any way the type of phone the collector may call to contact the debtor. You may be thinking of laws on unsolicited sales calls and the do not call phone list program of the FTC, but neither of those apply to calls from debt collectors. You gave them the number and they are free to call you at that number (or at any other number where you may be reached) so long as they make the calls at reasonable times of the day and do not call you at a place they know that such calls are not permitted (e.g. calling you at work when your employer does not permit such calls). Whether your phone is a landline, cell phone, VOIP, or whatever does not make any difference.

    You may, however, contact the debt collector in writing and tell them not to contact you any further about the debt if you want the calls to stop. Once they get that request they cannot further contact you to collect the debt other than to notify you of actions that are about to be taken to collect. And, of course, you may always be sued for a judgment on the debt.

    You might also consider bankruptcy if you have a lot of debts that you cannot pay.

  2. #2
    Join Date
    Oct 2014
    Posts
    114

    Default Re: Are a Debt Collector's Calls to Google Voice Considered to be Telephone Contacts

    To clarify, I spoke to a lawyer in my county - the county where I am being sued - about my situation. She said that it is illegal for debt collectors to call more than once in one day. Whether this is under federal law, state law, or what I'm not sure. She mentioned something about cell phones and debt collection regulations, but I can't remember what. I'm also wondering, if I managed to countersue based on harassment by this creditor, if the creditor could weasel out of the regulation due solely to the fact that the number I gave them was a call forwarding number.

  3. #3
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Re: Are a Debt Collector's Calls to Google Voice Considered to be Telephone Contacts

    There is no such restriction under federal law. I haven't found any such law for South Carolina but, if one exists, you can ask your lawyer to identify the statute for you.

  4. #4
    Join Date
    Sep 2010
    Posts
    19,901

    Default Re: Are a Debt Collector's Calls to Google Voice Considered to be Telephone Contacts

    You can write them and tell them not to call you period. Not much point in further phone conversation if they're suing you. Let your lawyer handle it.
    Their violation of the FDCPA however won't magically cancel your debt.

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