Debt Collector Calling You in New Jersey? What They Can and Cannot Do

Debt collectors have rules. If a collector is calling nonstop, threatening you, using abusive language, or lying about what can happen, you may have protections.

If anyone threatens immediate violence or says they are coming to harm you, call 911.

What Debt Collectors Cannot Do

• Call before 8 a.m. or after 9 p.m.
• Use threats, profanity, or harassment
• Lie about the amount owed
• Pretend to be police or government officials
• Threaten arrest for not paying a debt
• Call repeatedly just to annoy or abuse you
• Contact your employer after being told not to in many situations

Ask for Proof

You can ask the collector to validate the debt. This means they need to provide information showing what the debt is, who owns it, and why they believe you owe it.

Do this in writing and keep a copy. Certified mail with return receipt requested is best.

Stop-Contact Letter Template

Dear [Collector Name],

I am requesting that you stop contacting me about this debt. Do not call me again. If you believe you have a right to collect, communicate with me only in writing at the address above.

Sincerely,

[Your Name]

Document Every Call

• Date and time
• Phone number
• Company name
• Caller name
• Exact words used
• Whether they threatened you
• Whether they left voicemail

Save screenshots, voicemails, letters, and text messages.

Where to Complain

You may file complaints with the Consumer Financial Protection Bureau at consumerfinance.gov, the Federal Trade Commission at ftc.gov, and New Jersey consumer protection offices at njconsumeraffairs.gov.

Ask Fozak

Fozak can help you draft a stop-contact letter and organize your call log.