Calls at 6:00 AM or 9:00 PM
Any contact outside permitted hours (M-F 7-19, Sat 8-15) violates the law and is sanctionable. We document each call to support the complaint.
Collection Harassment (Law 2300)
We stop abusive collection calls and messages. We apply Law 2300 of 2023 to file complaints before the SIC and demand compensation for damages.
Contact UsCollection Harassment (Law 2300)
Law 2300 of 2023, known as the "Stop Bothering Me Law", entered into force on October 10, 2023, and radically changed collection rules in Colombia. For the first time, a standard sets strict hours, maximum contact frequency, and permitted channels for every type of collector — banks, collection agencies, debt buyers, and individuals. The Superintendencia Financiera oversees regulated entities; the Superintendencia de Industria y Comercio (SIC) oversees everyone else.
The rules are clear: contact only Monday to Friday between 7:00 and 19:00, Saturdays between 8:00 and 15:00. Contact is prohibited on Sundays, holidays, and outside hours. Only one communication per day per consumer, and only one channel per week (you cannot use SMS, call, and email in the same week). The same rules apply to co-signers and guarantors. The fine can reach 2,000 monthly minimum salaries.
At Legal Diligence Medellín we document violations, file complaints before the competent regulator, and, when there is provable moral or material damage, sue the creditor or collection agency civilly for corresponding compensation. We also help companies adopt compliant collection protocols to avoid sanctions.
Problems We Solve
Multiple calls a day from different numbers
The rule is maximum one communication per day. The common practice of several calls 'to ensure contact' infringes the law even from different numbers associated with the same collector.
Collection through multiple channels in the same week
The law prohibits using more than one channel per week. SMS + call + WhatsApp in the same week is an independent infraction.
Harassment of relatives, neighbors, or co-workers
Contacting third parties to pressure the debtor is sanctionable abusive practice, in addition to potentially criminal (illegal coercion).
Our Approach
1
Systematic Harassment Documentation
We give you precise instructions to document each call, message, and email: screenshots, legally valid recordings, lists of incoming numbers.
2
Formal Complaint Before the Regulator
We prepare and file the complaint before the Superintendencia Financiera (if the collector is a regulated entity) or the SIC. We follow up the file until resolution.
3
Civil Action and Compensation
When harassment has caused provable moral or material damage, we sue the creditor civilly for corresponding compensation. The administrative complaint and civil lawsuit can be pursued in parallel.
Frequently Asked Questions
What are the permitted hours for collection calls?
Monday to Friday from 7:00 AM to 7:00 PM; Saturdays from 8:00 AM to 3:00 PM. Contact outside those hours, on Sundays, and on holidays is prohibited. Exceptions: confirmation of transactions, fraud alerts, information requested by the consumer.
How much can the SIC fine for collection harassment?
Up to 2,000 monthly minimum salaries per infraction, per Law 2300. In 2026 the minimum salary is COP 1,423,500, so a maximum sanction equals approximately COP 2.847 billion. The effective amount depends on severity and recidivism.
Does the law apply if the debt was sold to a third party (debt purchase)?
Yes. Law 2300 expressly applies to 'all natural and legal persons engaged in collection efforts directly, through third parties, or by assignment of the obligation'. The debt buyer must respect the same rules as the original bank.
Can I sue civilly in addition to complaining?
Yes. The administrative complaint seeks sanction to the collector; the civil lawsuit seeks compensation for you. Both can be exercised in parallel. For moral damage compensation we must prove the harm (insomnia, anxiety documented by a doctor, work impact).
15+
Years of experience
500+
Clients served
98%
Satisfaction rate
24h
Response time
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