What Are The Debt Collection Call Times?

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What Are The Debt Collection Call Times?

this is it! Rep Points:

Posted on November 19, 2009 at 10:16 pm

What are the debt collection call times as prescribed by the FDCPA? Are there any state-specific call times enforced in a particular state?

Karess Rep Points:
moderator

Posted on November 19, 2009 at 10:23 pm

The debt collection call times are 8 AM to 9 PM, according to the debtor's time zone. Any attempt of contact earlier or later than that is considered an FDCPA violation.

LallyPop Rep Points:

Posted on November 19, 2009 at 11:48 pm

In Georgia, the debt collection call times are slightly different. According to their state law, a collection agency is not permitted to contact the debtor in any form beyond 10PM and before 5AM.

this is it! (Guest) Rep Points:

Posted on November 20, 2009 at 1:10 am

i can't log in. anyway. what happens if the collector goes beyond the alloted debt collection call times? like what if they call me at a time beyond 9pm or before 8am? what can i do?

caffeinatrix Rep Points:

Posted on November 20, 2009 at 1:33 am

If a violation against the allowable debt collection call times occurs, what you can do is file a complaint with the Federal Trade Commission. You can also send a copy of the complaint to the state agency that regulates debt collection activity, especially in the area where that collection agency's home office is.