Regulation of Debt Collectors
Debt Collector Licensing and Regulation Requirements
Most states require debt collectors to register with them in order to do business with people within their borders. As of the time of this writing, the states below have this requirement. You should look up the law for your own state and check with your attorney general to see if the collector bugging you is obeying this law. Somewhat incredibly, this law is also frequently ignored by the debt collectors, and this may be, and probably is, grounds to get a lawsuit dismissed and also be a violation of the FDCPA. It may also trigger regulatory enforcement action.
States Requiring Licensing, Registration, Exam, and/or Bond
Alaska, Arizona, Arkansas
Idaho, Illliois, Indiana, Iowa
Maine, Maryland, Massachusetts, Michigan, Minnesota
Nebraska, Nevada, New Jersey, New Mexico, New York in some cities, North Carolina, North Dakota
South Carolina (business license required)
Utah Washington, West Virginia, Wisconsin, Wyoming
States Requiring License Tax
No Bond or License Required
District Of Columbia
Mississippi, Missouri, Montana
Ohio, Oklahoma Pennsylvania
You should check on the requirements for you state and, if they are not met by a debt collector contacting you, take appropriate action.