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Can debt collection agencies contact me anytime of the day or night?

April 26, 2017agencies anytime collection contact debt Night

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Posted

Can debt collection agencies contact me anytime of the day or night?

2 Answers

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john marshal Posted

No, a debt collection company can call only in working hours.

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Posted

The federal Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. § 1692) restricts debt collectors from contacting debtors at unreasonable times, such as before 8 a.m. or after 9 p.m., unless the debtor agrees. The FDCPA only applies to someone that collects personal, family, and household debt regularly. This includes debt collection agencies, companies that buy consumer debt, and lawyers that collect debt on a regular basis. The FDCPA does not apply to collectors that work for a creditor’s debt collection department. It is important to check state laws for applicable regulations of in-house debt collection.