The Fair Debt Collection Practices Act sets guidelines for when debt collectors can call:

– From 8 a.m. to 9 p.m. local time.

– At work, if they do not know your employer disapproves.

– They can call you once more after receiving a cease and desist letter

Although the FDCPA doesn’t specifically state which days of the week collectors can and cannot call, it does state that collectors cannot communicate with you during times “which should be known to be inconvenient,” says About.com.

If a collector calls at a bad time, simply say, “This is not a convenient time” and let them know specifically what time is convenient.

Date posted: September 23, 2010

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