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https://www.thebalance.com/when-can-debt-collectors-call-960573#:~:text=The%20law%20specifically%20states%20they%20can%20only%20call,they%20call%20you%20at%20that%20time.%201%20%EF%BB%BF
https://www.thebalance.com/when-can-debt-collectors-call-960573
Collectors Can Call Only Between Certain Hours . Debt collectors aren't allowed to call you early in the morning or late at night. The law specifically states they can only call you between 8 a.m. and 9 p.m., your local time. Calling you at any other time is a violation of the FDPCA.
https://www.consumerfinance.gov/ask-cfpb/can-debt-collectors-call-me-anytime-they-want-day-or-night-en-335/
Generally, debt collectors cannot call you at an unusual time or place, or at a time or place they know is inconvenient to you and they are prohibited from contacting you before 8 a.m. or after 9 p.m. Debt collectors may not harass you or anyone else, over the phone …
https://ezinearticles.com/?The-Hours-Bill-Collectors-Can-Call-and-How-to-Put-a-Stop-to-Those-Calls&id=2191715
In Section 805 (a) the law states that the hours bill collectors can call is between 8am and 9pm, IF, it's convenient for the consumer! An example of being inconvenient would be if the consumer works the night shift and sleeps during the day.
https://www.consumer.ftc.gov/articles/debt-collection-faqs
No. Debt collectors can’t contact you before 8 a.m. or after 9 p.m., unless you agree to it. They also can’t contact you at work if you tell them you’re not allowed to get calls there. How can a debt collector contact me? Debt collectors can call you, or send letters, emails, or text messages to collect a debt.
https://credit.org/blog/what-to-do-when-debt-collectors-call/
In order to curb this behavior, the Fair Debt Collection Practices Act (FDCPA) was passed in 1978. This acts presents a number of rules and restrictions that debt collection agencies must follow. Here is what debt collector can not do: Call you outside of the hours of 8 …
https://lemberglaw.com/fdcpa/faq/how-many-times-can-a-debt-collector-call-you/
Are made between the hours of 8:00 a.m. and 9:00 p.m. Do not provide the name of the caller and identify the business. Do not provide a contact phone number or address. Do not provide an automatic opt-out mechanism.
https://www.nolo.com/legal-encyclopedia/bill-debt-collector-violations-29999.html
It also describes how collectors may use voicemails and limits how often debt collectors can call you. The final rule becomes effective on November 30, 2021. After the rule change, consumers can still cease all collection communications from a debt collector and also stop communications through a particular medium, subject to some exceptions.
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