collection calls

Debt Collector Calling at Night or Early Morning: When It Crosses Into a Violation

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Debt Collector Calling At Night

Federal law prohibits debt collectors from calling you before 8:00 a.m. or after 9:00 p.m. in your local time zone. A call placed outside of these hours is not a minor oversight. It is a documentable violation of the Fair Debt Collection Practices Act. Missed calls and voicemails left during restricted hours still count as … Read more

Debt Collector Contact Rules: When, How, and Who They’re Actually Allowed to Reach

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Debt Collector Contact Rules

Debt collectors are bound by strict federal rules under the FDCPA regarding when, where, and how often they can contact you. Every contact channel they use, from calling your workplace to texting your phone, is designed with a specific psychological goal in mind. You have the legal right to dictate how they communicate with you, … Read more