Laws about phone calls
Is this a 3rd party debt collector calling? Allowable hours are
Is this a 3rd party debt collector calling? Allowable hours are 0800-2100 in your time zone. Have you ever answered?
In addition to the allowable calling hours of 8am to 9pm local t
In addition to the allowable calling hours of 8am to 9pm local time, these companies have to stop calling if you request that they do so in writing.
If you know who they are, and you know for a fact that all these calls are coming from them, send them a letter requesting that they stop contacting you. Just make sure that you send it registered mail or some other method that will give you proof of delivery.
If you have a cell phone and it is from a different area code fr
If you have a cell phone and it is from a different area code from where you live (as in a time zone difference) that is different though. That is the problem that I have sometimes from solicitors. Now if it is a regular home phone and you live in the same time zone as the area code, they can't call you during those times.
BUT they can call you constantlyif they want to, you have to go through the written notice process to get them to stop.
Are you sure who the caller / company is?
Quote:If you have a cell phone and it is from a different area c
Quote:
If you have a cell phone and it is from a different area code from where you live (as in a time zone difference) that is different though. That is the problem that I have sometimes from solicitors. Now if it is a regular home phone and you live in the same time zone as the area code, they can't call you during those times. |
I disagree--for one thing, it is against the law for a third party debt collector to cause you to incur any expense whatsoever as a result of their communication attempts. It can be argued that calling a cell phone and causing you to have to pay for the minutes used for those calls violates this law.
As for the area code, that makes no difference that I have ever heard of--if it is a phone that is in your name or its the phone for that residence, then thats what matters--think about it, they can call your employer as well, right? But many people live in one place with one area code and can work in another. The area code itself makes no difference--it is all about the number of times they are trying to contact that person regardless of what numbers they dial to get there.
Quote:
BUT they can call you constantlyif they want to |
Again I disagree--the fdcpa itself says differently...the following is prohibited by the FDCPA as it is considered to be abusive practice:
They dont even need for you to pick up the phone--calling that many times is a violation of the law. Now, there is generally no set number of times that's the limit, so it is as far as I recall considered on a case-by-case basis. But if they are calling you more than 10 times a day I would DEFINITELY call that harassing, especially if they call like that every day. I would gather up the telephone records that show all those incoming calls because they are evidence of abusive practices.