05-18-2008, 06:00 AM
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calling on Sunday
Is it legal for creditors to call me on Sunday to attempt to collect an overdue amount?
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05-18-2008, 06:04 AM
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Sunday
Yes it is, they can call seven days a week.
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05-18-2008, 06:40 AM
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However, if you tell them NOT to call on Sunday, they can't.
__________________
26.2 Detroit Marathon, October 2009
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05-18-2008, 07:00 AM
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They can call you any day of the week, during 'reasonable' hours (which I believe to be 8:30 a.m. to 8:00 p.m. - someone please correct me if I'm wrong), and they can call your home, work or cell phone - until you instruct them not to. (Best way to avoid that in the future is not to give any potential creditor your work number - only the home number - that way they won't be calling you at work, unless they manage to find your work number somewhere.)
If you ask them to cease calling you at work, the best way to handle it is to tell them that you are not allowed to receive personal calls at work, and tell them to call you at home. If you don't want them to contact you by phone at all, send them a letter indicating that they may only communicate with you in writing. __________________
A journey of a thousand miles begins with a single step...and becoming debt free is a journey!
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05-18-2008, 08:07 AM
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Here in NY they can call between 9.00 am and 9.00 pm I think.
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05-18-2008, 08:46 AM
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In nebraska they can call between 8 am. up until 9 p.m....some of them are very sneaky and will call at like 8:53 p.m.
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05-18-2008, 10:47 AM
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Thanks for the update, ladies! I wasn't quite sure on the timeframe.
__________________
A journey of a thousand miles begins with a single step...and becoming debt free is a journey!
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05-18-2008, 07:13 PM
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ca
I've asked CA's NOT to call on Sundays and they still do ( or shall I say a CERTAIN one does). This certain one has called after 9:00PM a few times. I just hung up.
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05-18-2008, 08:04 PM
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I've never seen any specific laws that say they can't call you on a certain day if you tell them not to...
With a CA you could send a C&D letter and then they shouldn't call you at all. But with the OC, they can still call you during "normal" hours even if you do send them a C&D.
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05-19-2008, 04:39 AM
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It depends on your time zone. I live in NC which is on Eastern standard time. A collector can call betweeen 8:00AM to 9:00PM EST.
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05-19-2008, 05:10 AM
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Legal calling time is 8am to 9pm your local time. Telling them not to call on a Sunday will not stop them from calling....it must be done in writing.
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05-19-2008, 02:25 PM
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Yes,they can ....
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05-19-2008, 02:36 PM
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Sorry , I hate to be the bearer of bad new but a collector may contact you 7 days a week in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts. I hope this helps.
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05-26-2008, 06:13 AM
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national holiday
can bill collectors call on a national holiday?
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05-26-2008, 06:17 AM
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reply
some do believe it or not.know somebody that got called on thanksgiving day.i know it stinks,but some collectors have no sense of when not to call.heck frog got called on easter sunday by BIG,so some just don't care.
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05-26-2008, 06:34 AM
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That is not always the case, At one point under Massachusetts debt collection laws, a debt collector cannot contact you more than 2 times in one week. I think it has since been changed. now it says
Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. They also cannot visit your house more than once in a 30 day period.
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