2007-07-24 13:50:36 · 8 answers · asked by Nanny 2 in Business & Finance ➔ Credit
No, it isn't illegal. They may call from 8am-9pm your time, and any other time if you tell them its OK.
Contrary to what others have said, they ARE allowed to call you at work until you notify them to stop. Any oral order is good for only 7 days unless you follow it up with a written request.
They ARE allowed to call family or friends if they do not know where you are, but can't discuss the debt with them.
2007-07-24 15:04:46 · answer #1 · answered by Anonymous · 0⤊ 0⤋
A debt collector may not call the consumer at any time, or on any particular day, if he has credible information (from the consumer or elsewhere) that it is inconvenient. If the debt collector does not have such information, a call on Sunday is not per se illegal.
The purpose of this section is to limit collection calls to normal business (work) days which are usually Monday - Friday. If this is your normal work schedule then you could inform the collector that calls on Saturday and Sunday are inconvenient and the collector must then consider these days as "no collection call days".
If your normal workdays are Wednesday - Sunday, then collectors can reasonably assume that calling on Saturday and Sunday are not inconvenient. However, if you tell them otherwise they must not call. But, this does not mean you can say every day of the week is inconvenient. It's acceptable to have one or two days that are inconvenient but not all week.
A first-time call on a "no collection call day", does not violate the fdcpa. But, after informing collectors of your off-limits days, they call a second time on your "no call" day, they are in violation of the fair debt act.
2007-07-24 20:55:12 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Collection agencies are not allowed to:
Call your office;
Call your home before 8 a.m. or after 9 p.m.;
Address you in an abusive manner;
Call family or friends in an attempt to collect your debt;
Harass you;
Make false or misleading statements; or
Add unauthorized charges
2007-07-24 20:53:51 · answer #3 · answered by Anonymous · 0⤊ 1⤋
It is not illegal, but they cannot call anytime before 8am and after 9pm.
2007-07-25 00:06:10 · answer #4 · answered by Richard_CA 4 · 0⤊ 0⤋
read the fine print of your credit card agreement
2007-07-24 20:57:57 · answer #5 · answered by worldstiti 7 · 0⤊ 0⤋
nope its legit.......what makes sunday such a special day?? theres a ton of different religions in the world.
2007-07-25 11:29:44 · answer #6 · answered by David C 3 · 0⤊ 0⤋
it is not illegal. there are time frames that has to be adhered to...but it can be any day of the week.
2007-07-24 20:53:14 · answer #7 · answered by patchoulii2 4 · 0⤊ 0⤋
No it isn't but they can't call after 9pm.
2007-07-24 20:52:40 · answer #8 · answered by alanawear 2 · 0⤊ 0⤋