Are Debt Collectors Allowed To Come To Your House?

Stop Debt Collectors Are Debt Collectors Allowed To Come To Your House?

Are Debt Collectors Allowed To Come To Your House?

When you are not up-to-date on your payments, you can expect to get several calls or letters from collection agencies and lenders. You might dock their attempts to contact you but debt collectors may resort to paying you a visit. This can leave you feeling intimidated and scared, even harassed. Now the question is if debt collectors can come to your house.

If debt collectors are unable to reach out to you or they wish to put more pressure on you to settle your credit, they can pay you a visit. There are, however, certain limitations on what they are allowed to do.

DoNotPay can guide you on how you can deal with debt collectors and answer related issues as well such as:

Keep reading to learn your rights as a debtor and how you can handle debt collectors the smart way.

Can Debt Collectors Come To My House

In truth, no federal or state law prevents a debt collector from coming to your house. However, you are not obliged to let them in nor are they allowed to take anything from your possession. It is uncommon for them to show up in person as there is not much to be gained from paying you a visit.

The following information will give you a good understanding of your rights when it comes to debt collectors visiting your home and until when they are allowed to try to collect. It is worth noting that if a collector shows up at your doorstep, they still have to follow the law.

Doorstep Debt Collection Rules

While the Fair Debt Collection Practices Act forbids many things when it comes to debt collection, it does not prohibit collectors from knocking at your door. This case is different for a repo agent, as when they show up at your house, they are there to collect property.

For debt collectors, on the other hand, coming to your home can be a total waste of their time and money. This is not to imply that it never happens. If you are dealing with a local agency and they decide to show up at your house, they can easily do so.

However, according to the law, they cannot:

  1. Threaten or coerce you to open the door
  2. Enter your home against your will
  3. Visit your neighbors, telling them about the money you owe
  4. Cause you any form of physical injury
  5. Refuse to leave until you pay your debt

Simply put, there is absolutely no reason for them to show up at your house because there is nothing that they will accomplish that they cannot do over the phone.

The FDCPA is implemented by the Federal Trade Commission or FTC. If you feel that debt collectors have stepped over a line, you may get in touch with the FTC to seek advice or file a complaint.

Below are their contact details:

CompanyFederal Trade Commission
Mailing Address600 Pennsylvania Avenue, NW

Washington, DC 20580

Phone Number(202) 326-2222
Email or Contact FormFTC Assistant
FaxNot Available

Can Debt Collectors Take Your House?

Short answer: no. A debt collector has no right to take your house. Having said that, if you secured your loan with your house, a creditor can legally foreclose on the loan and take your house to offset the unpaid loan. To get a good understanding of who can take your house if you owe them money, it is important to first know the difference between a secure and unsecured loan.

When you take a secured loan, you use your property as collateral to make the loan "secure". An example of such a loan is a mortgage.

Unsecured debts, on the other hand, take the highest percentage of consumer loans. Examples are all unpaid bills plus loans you took without using your property as collateral. These bills include, but are not limited to, student loans, medical bills, credit card bills, and utility bills. If a debt collector is collecting money owed for an unsecured loan, they cannot take your house.

What a Debt Collector Cannot Do When Collecting a Debt

Debt collectors will be persistent in pressuring you to pay but there are several acts they are prohibited from doing. Here are some:

  • Public humiliation. Your debt collector cannot go around your neighborhood sticking posters telling everyone that you owe money, or use any other form of humiliating tactics to make you pay.
  • Show up at your workplace
  • Harassment in any manner, physical or otherwise
  • Public shaming through any medium, especially social media. They cannot reach out to you on social media in a way that all your friends and family can see.

Handle Debt Collectors With the Help Of DoNotPay

As seen, dealing with debt collectors by yourself is a very frustrating process. These people have nothing to lose and they will go above and beyond to intimidate you into paying your dues.

DoNotPay can help you handle debt collectors in 3 easy steps:

  1. Search “debt collection” on DoNotPay.

     

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so DoNotPay can determine if they have violated any debt collection laws.

     

  3. Decide which course of action you want to take based on DoNotPay’s guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

     

And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. DoNotPay will deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they're no longer able to use unfair debt collection practices.

You can also check out DoNotPay’s other credit products, including Credit Limit Increase and Clean Credit Report.

What Else Can DoNotPay Do for You 

With DoNotPay, you can enjoy many other great services. DoNotPay can:

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