Something that makes you scratch your head

Hmmm...interesting point Ashley. But how would the CA know that you are in a different time zone with your cell phone when they call?

So they don't know its a cell # so they have to follow the CRA as I just give out one # and don't say whether its cell or land line, its the only # I have

Well, I would say if they don't know it's a cell phone and they think they are calling you at home, they would be in violation of the fdcpa or CRA - specifically the section that states between what times they can call you.

Ashley---they technically don't know where you are, but would assume you were home right?--SueBee, why would they be in violation of fdcpa or CRA? I know it has to do with the time--but I thought it was 9:00 in whatever time zone you live in.

You know, I think you may be right, Lorri. fdcpa says no calls before 8 a.m. or after 9 p.m., but I'm pretty sure if they thought they were calling Ashley at home, in her home time zone, it would have been before 9 p.m., per her original post here.

I stand corrected! :-)

Please don't give me that much credit---I didn't know I was correcting you. I was just trying to figure it out. Remember I teach 2nd grade for a reason!

LOL - oh come on Lorri! You always post useful info here, and you're a great help to many.

But I have to say, you keep me chuckling when I'm up late at night sometimes. The soap opera thread we had going earlier was hilarious!

Thats my thing---always keep 'em laughing. I was kinda cracking myself up with the soap operas. Thats the other thing about me---I am kinda one of those comedians that have a kind of inflated EGO when it comes to my own material. :lol: My mom (who is quite used to me obviously) always says quit laughing at your own jokes.

I knew everyone would be scratching their heads..all I know the call is annoying no matter what time zone it is or I am in.. thanks everyone for your answers we head back to TN tomorrow

Man my head hurys now!!! I thought I had this all figured out, but as I went to type my stuff, it just didn't come out well. Good grief Ashley!

It goes by where your area code lies. If they're on an auto-dialer, the system figures it out automatically. I use receive all sorts of crazy telemarketing/sales, and those pesky buy-my-vacation-package calls when I had an LA area code, and moved to Michigan.

It's area code and I also think address! My daughter lives in Santa Monica, CA and her cell phone has a Boston AC (where she used to live). From what she says, the calls she gets reflect West Coast time.