Can a debt collector call me at work?

Question

Accepted Answer

Whether a debt collector may call you at work is governed by federal law — the Fair Debt Collection Practices Act, 15 U.S.C. § 1692c(a)(3) — not Arizona law, so this app cannot answer it from its sources; please consult a licensed attorney about your rights under that federal statute.

The Arizona sources provided do not set general rules for debt collector contact with consumers. Arizona law does license collection agencies and requires license applications, financial statements, and bonds , and it exempts certain persons from that licensing chapter , but none of these provisions address calls to a debtor's workplace. The only Arizona provision here that touches on workplace contact is narrow: a lessor under a rental-purchase agreement may not communicate with a consumer about collecting a payment or recovering rental property at the consumer's place of employment without the consumer's prior consent or a court's permission . That rule applies only to rental-purchase lessors, not to debt collectors generally . Other sources provided — on victim compensation fund debt collection limits  and the do-not-call registry for telephone solicitors  — do not address your question.

Because the contact rules for debt collectors are federal, the sources here cover your question only in the narrow rental-purchase situation described above; for anything beyond that, please speak with a licensed attorney.