It’s against federal law for a bill collector who works for a collection agency (as opposed to working in the collections department of the creditor itself) to call you at an unreasonable time.
The Fair Debt Collection Practices Act says that before 8 a.m. or after 9 p.m. are considered unreasonable times, but other hours may be unreasonable too, such as daytime hours for a person who works nights.
If debt collectors are driving you crazy and you’re wondering how bankruptcy might help, I’d be happy to talk with you and answer your questions. Just fill out the Contact Dan form on the right side of this page, click on the Submit button, and I’ll get back with you as soon as I can. Or just pick up the phone and give me a call at 918-615-8260. I look forward to hearing from you.
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Is there any limit when the original creditor can call you?
Steve
Steve,
Since the FDCPA doesn’t apply to original creditors’ collection activities, debtors must look to state law for protection. About half of the states have laws that govern the activities of debt collectors. If a state does not have laws governing debt collection activities, debtors can seek to use state tort law provisions to combat harassing collection activity by original creditors.
Dan Nunley
Wish you were here. I would hire you in a minute. I am currently looking for a bankruptcy attorney and no one seems to know the laws like you
NYS needs you