Collection Agency calling at 9:45pm?

collection agencies are only allowed to call between the hours of 8am-9pm. They are in violation of the fdcpa laws in regards to calling after the 9pm mark.

Putting the matter straight, debt collectors must not call after 9 PM. This is against the Fair Debt Collection Practices Act. Read more about the fdcpa and know your legal rights.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#806

You must have a proof of this violation in order to make your legal approach stronger. Get a recording device and attach it to your phone. Check the laws in your state if you are allowed to do the recording secretly. Also, note down the dates and time of the calls done to you for discussing it with your attorney.

IC Systems is located in the State of Minnesota and does calls nationwide. My daughter used to work for them and they are not allowed to call after 9:00pm. It must have been a new person that didn't realize that.
If you need their number, I can get it for you.

Ignorance of the law is no excuse. IC Systems needs to train people better if they are new and do not know not to call. The law states they must abide by the time zone of the state they are calling to, not the state they are calling from. I would definitely document their calls and report it.

They called me once at 10:00 pm and I told them about it, they said that since they were in a different state and they go by their time. I told them that wasn't true. I have also been trying to get a debt validation letter and they say they sent it but I still haven't received it. I told them that until they can validate my debt I am not sending them a dime.

debt collectors CAN NOT call after 9pm. no excuses what so ever. they must abide by your time zone, not theirs. please document the calls and if at all possible have proof (can easily be retained if they are calling a cell phone number).

try sending them a c&d letter and let them know you will not tolerate their illegal practices. be sure and send certified w/ ret. rec. in case they chose to ignore this as well.

You might also want to complain to the attorney general's office in your state and their state as well.

why can they call after 5pm there is no reason why they have to call when people are eating dinner with their family or just getting home from work

They call after 5pm because people are home....it is considered prime time calling. That and saturday am.

What gets me about collectors is, why they call back so soon. For instance, they will call me at 7:00pm. I tell them, "look, I don't have it". Then, they call back at 7:15pm and ask again! What the hell do they think changed from 7:00-7:15?

Calling you back within 15 minutes on the same account would be considered harrassment.

Are debt collectors allowed to call on Sundays? I've been told yes and no so I'm not sure what to believe

They can call 7 days a week--they are just restricted as to the times they can call you. For instance, in most places, they can't call you before 8 am or after 9 pm.

In all places they cannot call you before 8 am or after 9pm seven days a week, 365 days of the year. IC systems needs to upgrade their computer and their training manager by the sounds of things.

They also cannot call if it is inconvenient for you. If you are having dinner, tell them "we have dinner and get the kids ready for bed from 5PM to 7PM, do not call during this time" and legally they are required to honor it. If you tell them that your religion requires you to not conduct business on a Sunday they must also honor that. Per FDCPA.

time zones........ Girlfriend and I are residents of Arkansas, but visiting friends in SC...... collection agency called 9:45 Eastern, where we are this week.

whats the rules on that?

if it was 9:45 pm,then they were not allowed to call.if it was 9:45 am,then they acted legally.

Quote:

CA's are NOT allowed to call before/after certain times. But.....they do anyway. Even if they are on the West Coast, and you live in the East Coast, they SHOULD know what area code they are calling!!..you would think!!LOL I have 'Caller ID' on my phone. If I don't recognize a number, I just don't answer the phone.

Yes, debt collectors are allowed to call on every day of the week including holidays during the timesframe of 8am to 9pm YOUR timeframe.

Quote:

Calls are based off your area code. All of the systems I worked with were programed not to call out of legal calling time. If you have a east coast phone and are living in LA, unless the CA is notified that you live in in another time zone, there would be no voilation.