Start My Answer

Can Debt Collectors Call From Local Numbers?

Melissa Lyken | December 07, 2023

Melissa-Lyken
Legal Expert, Paralegal
Melissa Lyken, BS

Melissa Lyken is a senior paralegal and legal-finance content writer with over eight years of professional legal and business experience and a bachelor’s degree in Sociology and Community Studies from the University of California, Santa Cruz.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Debt collectors often walk the line between concealing their identity and trying to reach you. Find out if they're crossing the line when they use local phone numbers.

Are you being harassed by a debt collector calling you from numbers that match your area code? Debt collectors can collect from debtors by sending letters, emails, text messages, and even phone calls. They can call you on your home phone or cellphone number. Making phone calls is the most strategic and convenient way for debt collectors to collect. They even have different phone call tactics that may pressure the debtor to pay. This is why no one wants to receive a debt collection call, especially if they are known to be very aggressive when collecting a debt.

Even if debt collectors are allowed to call from local numbers, the Fair Debt Collection Practices Act (FDCPA) restricts debt collectors. It makes sure that debtors are protected from any abusive, deceptive or unfair collection practices. Importantly, a call from a debt collector should not cause any inconvenience or stress to the debtor.

The FDCPA allows a debt collector to use different phone numbers. However, they must present their identity to the debtor. They are not required to reveal their name, but they must convey the name of the agency they are representing. Most importantly, they cannot use a number that would misrepresent them as someone calling from a law firm or any official government agency.

Respond to debt collectors fast with SoloSuit.

Debt Collectors Cannot Make False Statements or Threats

False statements and threats are pervasive when receiving a call from a debt collector. They may threaten to garnish your wages or bank accounts you will not pay or that they will contact a police officer to arrest the debtor for failure to make payments. There are many more lies and threats that debt collectors have used to pressure debtors to pay.

Under the FDCPA, this practice is illegal, and debt collectors must refrain from making any threats or false statements.

Wage or bank account garnishment is possible only via a court judgment. When a debt collector calls a debtor, there is no pending collection lawsuit at that moment, and they cannot threaten to garnish the wages or bank account of a debtor. It is a false statement, and it violates the FDCPA.

Furthermore, a debt collector cannot misrepresent the actual amount of the original debt, interest charges, late fees, or other information related to the debtor's account.

Debt Collectors Cannot Make Harassing Phone Calls

This is another debt collection strategy designed to pressure a debtor, and it causes considerable inconvenience to the daily activities and work of a debtor. Examples of this behavior include:

  • Calling early in the morning (before 8:00 am), in the middle of the night, during dinner (after 9:00 pm), or even during holidays
  • Calling at work during working hours
  • Using obscene or foul language
  • Yelling at the debtor
  • Repeatedly calling the debtor just to annoy

Avoid harassment from debt collectors by filing a response with SoloSuit.

Debt Collectors Cannot Call a Third Person

A debt collector can only call the debtor, the debtor's spouse, and the debtor's attorney.

Aside from these three exceptions, there are no other individuals that a debt collector can contact. The only exception to this is when the debt collector inquires about the debtor's whereabouts, including their current address, place of work, or phone number.

In this case, the debt collector can call a neighbor, friend, or relative of the debtor, but they can only contact them once. Calling a third person repeatedly is a violation of the FDCPA. Furthermore, the debt collector cannot discuss any information related to the debtor's debt or account to any third person, even if they are a relative of the debtor.

Debt Collectors Cannot Call You Instead of Your Lawyer

When a debtor has already provided their debt collector with the contact details for the lawyer representing them, the debt collector must stop calling the debtor. The exception to this is if the lawyer fails to respond to the debt collector within a reasonable time.

Suppose you have experienced any or all of these violations of the FDCPA, and you do not want to receive any more calls from your debt collector. In that case, your best option is to send a written request or letter to the debt collector asking them to stop calling you or the third person. You should also indicate your preferred method of communication, be it via letters, email, or text messages.

If your debt collector does not grant your request and continues to call you, you may now file a complaint against the debt collector.

However, if your debt collector acknowledges your request, they may still call you for the following reasons:

  • To confirm that they will stop calling you.
  • To inform you that they are already pursuing legal action against you.

Use SoloSuit to file an Answer to a debt collection lawsuit in 15 minutes.

File a Complaint Against a Debt Collector in Violation of the FDCPA

If a debt collector violates the FDCPA, a debtor may file a complaint and report a debt collector for their alleged violation to:

  • The State Attorney General's Office
  • The Federal Trade Commission

The exception to this is if your state has different debt collection laws than the FDCPA.

Phone calls from debt collectors can be stressful, annoying, and illegal. If you are being hassled by a debt collector calling you from different numbers, make notes of any FDCPA violations and report them. It is within your rights to fight back. We hope these tips equip you to do just that.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources