does anyone know of a web site for consumer's?

Question

I am looking for a web site that will give me info on debt collectors and when they are allowed to call.

Answer 1

The website you are looking for is for the Fair Debt Collections Practices Act. Look under the 'Communication in connection with debt collection':

"...a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location; "

You can easily get them to stop calling though. It's called a "cease and desist" letter, and charges them to stop calling or sending you mail. Period. Simply write a one sentence letter to the collection agency:

"According to my rights under the FCRA I am charging you to cease and desist contacting me about this debt in any way, shape or form."

If they contact you again, send a complaint to the FTC and your state's Attorney General.