How Long Can Collection Agencies Call You?
Dealing with debt collectors can be an overwhelming experience. One of the most common questions that individuals have when faced with collection agencies is, “How long can collection agencies call you?” Understanding the legal limits on debt collection calls is crucial in order to protect your rights and maintain your peace of mind.
Under the Fair Debt Collection Practices Act (FDCPA), which is a federal law, there are specific guidelines that debt collectors must follow when contacting debtors. According to the FDCPA, collection agencies are generally allowed to call you between 8:00 a.m. and 9:00 p.m. in your local time zone. However, there are certain exceptions and limitations to this rule.
Firstly, it is important to note that collection agencies are not allowed to call you at any time if you have previously requested them to stop contacting you. If you have made such a request in writing, they must comply with your request within five business days. Additionally, if you have informed the collection agency that you are represented by an attorney, they must communicate directly with your attorney instead of contacting you directly.
Furthermore, the FDCPA prohibits debt collectors from calling you at work if you have told them that your employer does not permit such calls. If you inform the collection agency about this restriction, they must cease calling you at work. However, if you have given them permission to call you at work, they can continue to do so.
It is also worth mentioning that collection agencies are not allowed to use abusive, threatening, or harassing tactics during their calls. This includes threats of violence, profanity, or repeated phone calls that interfere with your daily activities. If you encounter any of these behaviors, you can file a complaint with the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB).
In summary, collection agencies can call you between 8:00 a.m. and 9:00 p.m. in your local time zone, but they must adhere to the FDCPA guidelines. If you have requested them to stop calling you, they must comply with your request. It is essential to understand your rights and take appropriate actions if you feel that your rights are being violated.
