What you need to know about debt collection: part 1.
Debt collectors cannot communicate with you at any unusual time or place to collect a debt. Debt collectors calling you between 8:00 am and 9:00 pm local time is not unusual.
Courts rule that phone calls from debt collectors at 7:00 am violate the Fair Debt Collection Practices Act. Courts also rule that phone calls from debt collectors late in the evening violate the Fair Debt Collection Practices Act.
Also, debt collectors cannot call you at the times that are inconvenient for you after you notify the debt collector. For example, consumers working the night-shift may ask the debt collector not call them about the debt during the day because they are sleeping. Consumers should notify the debt collector of the inconvenient time in writing with proof of mailing.
If debt collectors call you before 8:00 am and after 9:00 pm, call Crowder McGaha, LLP!
And, if debt collectors call you during times of the day after you told them to stop, call Crowder McGaha, LLP!