FEDERAL LAW · PRE-VERIFIED
Debt Collector Calling Hours — Legal Limits
Fair Debt Collection Practices Act · 15 U.S.C. § 1692c(a)
✓ VERIFIED
Debt collectors are legally prohibited from calling before 8am or after 9pm in your local time zone. They also cannot contact you at work if your employer prohibits it.
Primary Statute
Fair Debt Collection Practices Act
15 U.S.C. § 1692c(a)
Section 805(a) prohibits communication at any unusual time or place. Collectors may not call before 8:00 AM or after 9:00 PM in the consumer's local time zone. They may not contact a consumer at their workplace if the collector knows the employer prohibits such communication.
https://www.ftc.gov/legal-library/browse/statutes/fair-debt-collection-practices-act