A blonde woman is yelling at a man looking at her while she is in a white top

Debt Collectors: Can They Come to Your House?

Milad Hassibi May 15, 2018


There is no question that debt collectors and collection agencies are known for using intimidation in an attempt to collect on past due debts.

Most people that are behind on payments will probably only be receiving a few letters and phone calls notifying you of the debts, whether it’s yours or not.

While you may be getting constant phone calls and letters from collection agencies, some collectors even take the extreme step of showing up at your home or place of residence in an attempt to collect on your debts.

Legally speaking, a debt collector can come to your house, just like any other person. However, there are limitations on what a debt collector or collection agency can say or do if they come to your house.

If debt collectors come to your house, you may feel intimidated and embarrassed. Some people even view this practice as a complete form of harassment.

Chances of Debt Collectors Coming to Your Home

Usually, most debt collectors decide to stay hidden behind a phone or a letter. The chances of a A man in red is yelling about his debt with angry face emojis behind himdebt collector or collection agency coming to your home are very low, but it does happen.

Having an actual person take the time to drive to your place of residence is costly, but it can help the collector put more pressure on your to pay the debts.

Can Debt Collectors Come to Your House?

When it comes to debt collectors, they do have the legal right to show up at your home, just like any other person can. The Fair Debt Collection Practices Act (FDCPA) does not explicitly state that a debt collector or debt collection agency cannot come to your house or home.

Thankfully, the FDCPA does offer consumers certain protections from debt collectors, in the form of threats or acts of intimidation.

The FDCPA prevents creditors and collectors from calling you at odd hours, which is defined as any time before 8 AM along with any time after 9 PM.

If a debt collector comes to your home, you are not legally obligated to do anything. All the collector can do is simply ask that you repay the debts.

The debt collector cannot come and take your car or any personal property. Some debt collectors can threaten to come to your home, but this is often just a threat that is rarely acted on.

What to do if a Collector Comes to Your Home

If a debt collector comes to your home, do not in any way shape or form hand them any cash or anything of value. There are a large number of con artists who can pose as debt collectors in an attempt to scam you out of a hard-earned dollar.

Get a Car Loan with Any Credit Along with a Happy Couple and a New Black SUV next to them

You are not required to answer the door, but if you do, be certain to get the debt collector’s name and his/her collection agency written down. See if you can follow them to their vehicle to get their license plate as well.

You are also not required to identify yourself to the debt collector. The debt collector is only allowed to discuss the debts with the person who owes money, not family members, friends, or neighbors.

If you do not identify yourself, the collector then cannot prove it is you. If they are unable to prove who you are, they cannot discuss the debts with you.

If a debt collector comes to your home and threatens to tell your family and neighbors about your debt, write down their information and report them to the Federal Trade Commission. This is a common scare tactic that is now illegal for debt collecotors and colelction agencies to do.

Debt collectors coming to your home is highly unlikely, but it’s important to be prepared to handle the situation if it does happen.

Final Note

Being in debt can be scary, especially if the collection agency threatens to come to your home. You can prevent debt collectors from showing up at your home by sending them a cease and desist letter.

Once you send this letter to a collection agency, they can only contact you to tell you that they are ceasing all collection efforts or are taking further legal action to recuperate the debts owed.

If you are buried under a mountain of debt and ready for a fresh start, CrediReady can help. Our nationwide network of trusted and experienced lawyers are prepared to give you a FREE bankruptcy consultation. Take a moment to fill out our inquiry form today to speak with your FREE local attorney and get the help you need today.



Free Credit Score

Get your free credit score now! Get a copy of your most recent credit score.
get your free score

Auto Insurance

Get your free insurance quote now! Save big on auto insurance today!
get your free quote

Vehicle Warranty

Protect your vehicle and you could save thousands on auto repairs.
get your free quote