Is there a law against bill collecters calling holidays?

Question

I thought there is a law that bill collecters cannot call on holidays or Sundays. Is there a time span that they can only call, like 9 to 9?

Answer 1

Under the Fair Debt Collection Act - YES!

You can stop bill collectors from calling you, by telling them to STOP harrassing you.

You can contact the Better Business Bureau, and you can place Anynomous Call Rejection on your telephone for FREE.

Additionally, You can place your telephone number of the DO NOT CALL national registry. Search under www.google.com

And of course you can change your telephone number and DO NOT list your new number in the telephone directory.

There are laws that protect Consumers like you from Bill Collectors.

Check out www.google.com and review the law for Bill Collection and the Fair Debt Collection Act.

Once you tell the Bill Collector to STOP calling you they must. Or you as the Consumer can take the appropriate action steps to protect your privacy.

Anther good tip going forward would be to establish a BUDGET for your income and expenses to get a hold of your finances to avoid getting into a bill collection status.

Protect your credit and Good Luck! :-)

Answer 2

Bill collectors can call on holidays and Sundays and the hours they are legally allowed to call are 8:00AM until 9:00PM. There is a 7 year statute of limitations on suing to collect, but no statute on collecting the debt. Also the collector is obliged by the FDCPA to recite the mini Miranda: This is an attempt to collect a debt and any information obtained will be used for that purpose.

Answer 3

Here's a link to the FTC government site...http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#805



From the link:

§ 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;

(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or

(3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.

Answer 4

As yet another poster pronounced, checklist the calls. call Police in to pay attention those calls. in case you have caller identity, attempt to keep the variety they stated as you from. If not, tell your telephone company approximately quantity of the calls, the vulgarity & threatening demeanor of the callers. attempt to keep the days, dates & situations they stated as. Play the messages for them too. Ask Police to additionally artwork with your telephone company to legally make sure this. Harassment is against the regulation. basically a be attentive to suggestion: stay sparkling. by that I mean do not curse & scream returned at them, or your case gets susceptible. you could owe somebody some money, yet their procedures ought to wipe out your debt, and probably grant you with some jingle sounds on your wallet. Outsmart the so stated as smart guy.

Answer 5

No. The only laws that I am aware of is; They cannot call you at work, they cannot call you after 9:00pm your time zone, and they cannot threaten you with bodily harm. You can go to www.annualcreditreport.com to get more information on creditors rights.

Answer 6

That all depends on what your state law says. You will need to call the states attorney's office in your state and see if they have a law on the books to protect you.

Answer 7

not to my knolwedge. worked for a pay day loan company and they would call people any time of day and night plus they had a team of lawyers checking each word we ever said on the phone.

so sorry, but no law like that exists. to my knowedge

we called all 50 Us states.

.