What is the specific law that says it against the law for a creditor to call a debtor after 8:30pm?

Answer 1

FDCPA:

§ 805. Communication in connection with debt collection [15 USC 1692c]

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, 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;

Answer 2

The Fair Debt Collection Act provides some protection in this regard, as well.

Answer 3

It's 9pm. It also applies for collection calls.

Answer 4

it's 9pm...and it's the telemarketing laws

Answer 5

What about the note you signed that said you would pay on time?

Answer 6

OUCH! lol