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  1. #1
    Join Date
    Jun 2018
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    Default Is It Legal for Collection Agencies to Block Their Phone Number from Caller ID

    My question involves collection proceedings in the State of: Texas

    First question: I have two questions, are debt collectors allowed to block their phone numbers from showing up on caller ID?

    Second Question: Are debt collectors required by law to give their name and to prove to you that you legally owe the debt if you tell them that you demand them to do so by telling them if they do not show me proof and identify themselves that you will refuse to pay the debt in order to coerce the debt collectors to show proof and to identify themselves (threatening redial to pay the debt if they do not submit to these demands)?

  2. #2
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    Nov 2015
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    Default Re: Is It Legal for Collection Agencies to Block Their Phone Number from Caller Id

    1: yes, they can conceal their phone number just like you can. Businesses like this do it all the time.

    2: you are free to demand proof that you owe the debt and they are free to hound you for the funds to satisfy the debt.

    Your threat to call them constantly to harass then is precisely why the conceal the phone number.

    none of this will actually stop the collector from pursuing the debt in court, by the way. Most debt collectors know who owes them the debt and have the proof. After all, it's what they do.

    So, demand proof. Don't cooperate. Bear in mind that the collector probably has more resources to pursue you than for you to pursue them.
    "Where do those stairs go?"
    "They go up!"

  3. #3
    Join Date
    Sep 2010
    Posts
    17,983

    Default Re: Is It Legal for Collection Agencies to Block Their Phone Number from Caller Id

    Note that while you are free to demand proof, they don't have to provide it until there is an actual court case filed.

    "Hound" is a term that would be a bad term. A third party debt collector is not allowed to harass (though they roundly break this law) to collect the debt. Attempting to contact you by phone (unless you have sent the written request to stop) is not however harassment.

  4. #4
    Join Date
    Mar 2013
    Posts
    15,633

    Default Re: Is It Legal for Collection Agencies to Block Their Phone Number from Caller ID

    Quote Quoting Bashful
    View Post
    Second Question: Are debt collectors required by law to give their name and to prove to you that you legally owe the debt if you tell them that you demand them to do so by telling them if they do not show me proof and identify themselves that you will refuse to pay the debt in order to coerce the debt collectors to show proof and to identify themselves (threatening redial to pay the debt if they do not submit to these demands)?
    Understand that collection agencies hear that stuff 100 times a day, every day.

    Making threats like that is like peeing in the ocean to make the tide come in.

    Might make you feel better, but it won't change anything.

    Read about the fair debt collection practices act (FDCPA) and learn what the limitations on dunning are. Write a cease and desist letter if you like. Won't stop you from getting sued, though, might even precipitate a lawsuit which will make your debt grow with attorney fees.

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