In Colombia you collect Monday to Friday from 7:00 a.m. to 7:00 p.m. On Saturdays the hours are 8:00 a.m. to 3:00 p.m. Debtors are not contacted on Sundays or holidays. They are contacted once a day at most. Law 2300 of 2023 sets these rules. It also covers businesses collecting their own accounts.
What time can you collect debts in Colombia?
Monday to Friday between 7:00 a.m. and 7:00 p.m. Saturdays between 8:00 a.m. and 3:00 p.m. Debtors are not contacted on Sundays or holidays. Article 3 of Law 2300 of 2023 sets these hours.
How many times a day can you contact a debtor?
Once a day at most. After a direct contact, several channels are not used in the same week.
Can you message the debtor's references?
No. Article 4 prohibits contacting personal or other references. A co-debtor or guarantor is contacted under the same rules as the debtor.
Which channels can you use?
Only the channels the debtor authorized. The business informs them in advance so the debtor can choose, under article 2.
Does the law apply to a business collecting its own accounts?
Yes. It covers anyone collecting directly, through third parties or by assignment of the debt, under article 1.
What if the debtor asks to be contacted at other times?
They can ask expressly in a document separate from the contract and signed after it. The paragraph of article 3 provides for this.
What does Makatea do to comply?
- Sets the start and end time of your organization's sends.
- Removes from sends anyone who asked not to receive more messages.
- Puts your business name in every message.
- Stops reminders as soon as you record the payment.
Official source Ley 2300 de 2023, Secretaría del Senado de Colombia