Debt collection agency calls and texts disrupt family dinners, interrupt meetings, and can turn ordinary days into stressful ordeals. If you’re in Kentucky, there’s good news: consumer protection laws, including Kentucky’s No Call Law and the federal Telephone Consumer Protection Act (TCPA), offer powerful ways to block junk calls, end harassment, and restore peace of mind.

What Is the TCPA and How Does It Help?

The TCPA protects people against harassing or unwanted calls and texts, especially those sent by auto-dialer or pre-recorded messages. Debt collection agencies often use automated phone systems, and if you haven’t given direct consent to be contacted, those calls may be illegal. The law also covers unsolicited texts and even some types of voicemails.

Under the TCPA, debt collectors must get clear permission before sending automated messages. Consumers have the right to revoke that consent at any time. Agencies can’t continue calling after you’ve told them to stop. If they do, you’re entitled to take legal action and may recover up to $500 (and sometimes $1,500) per illegal call or text.

Signs Debt Collection Calls May Be Illegal

Some debt collection calls cross the line and violate other rules. Kentucky residents are protected by the federal Fair Debt Collection Practices Act (FDCPA), which bans agencies from making threats, using obscene language, or harassing you repeatedly. Calls shouldn’t happen early in the morning, late at night, or at work if you ask agencies to stop.

According to the Kentucky Revised Statutes (KRS 367.46955) state law also prohibits telephone solicitation for any person making a telephone solicitation with certain circumstances.

Debt collectors are prohibited to:

  • Make a local time call before 8 a.m. or after 9 p.m.
  • Employ derogatory language, threats, or intimidation
  • Call your place of employment against your will
  • Falsely portray themselves as lawyers or government representatives, or lie about your debt

You may have a legitimate claim under both the TCPA and the FDCPA if you receive several calls or texts every day that you have requested to cease.

How a Consumer Protection Lawyer Can Help

Residents of Central Kentucky deserve assistance from a competent lawyer who can help them gather the necessary paperwork and determine the next steps to obtain relief. Your consumer protection lawyers can send legal notices to agencies that get results fast, often stopping the calls without dragging you into court.

Matthew L Collins Law Office is an experienced consumer protection attorney. Our team can evaluate your case, look through recent phone conversations and messages, and find out whether debt collection companies violated the law.

If the harassment continues, your lawyer may recommend filing a formal complaint with the Federal Communications Commission (FCC) or Consumer Financial Protection Bureau (CFPB), or pursuing damages in court. Document every contact, save voicemails, texts, and written notices you receive for your legal record.

Protect Yourself Against Illegal Collection Calls Near Lawrenceburg, KY

You have legal options and local support, thanks to consumer protection laws and the Law Office of Matthew L. Collins in Lawrenceburg, Anderson County, Woodford County, or Fayette County. No matter where in the Commonwealth you call home, we can help you can get peace of mind and put an end to unwanted harassment. We will use our expertise to work with you to provide personalized legal assistance, guidance through the claim or lawsuit process, and counsel based on what is best for you.

Regain control and protect your rights. No one deserves stressful or illegal agency calls and texts. You’re entitled to dignity and calm. Find out more about stopping debt collection agency calls and texts and protecting your consumer rights. Schedule your free consultation today.