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When Can a Collection Agency Leave a Voicemail?


Having debt can be stressful. When your debt is sold to a third party collection agency, and this agency regularly calls you repeatedly in attempt to collect your debt, it can be even more stressful. Coming home from a long day only to find that a collection agency has left you a voicemail about your debt makes a bad situation even worse.

The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law designed to prevent debt collection agencies from using certain methods of debt collection. Under the FDCPA, many previously used debt collection tactics became illegal.

While a debt collector is not expressly prohibited from leaving a voicemail, certain aspects of the FDCPA make it difficult for the collector to do so without violating any laws. For example, a debt collector must identify themselves when calling you, but they cannot reveal your debt information to a third party. A debt collector therefore may risk a third party listening to your voicemail and learning about your debt.

A debt collector could also violate the FDCPA by saying certain things, such as threats, in a voicemail. In addition, a debt collector should not leave you a voicemail at work.

An experienced FDCPA attorney can help you to understand if the FDCPA has been violated by a collection agency leaving you a voicemail. If your rights have been violated, your lawyer may even be able to help you win a claim in court.

Here is some more information on when a specific collection agency can leave you a voicemail:

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      By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.