Can a debt collector call me after 9 p.m.?

In California, debt collectors must obey the Consumer Debt Defense Law. This law stipulates that debt collectors may not call consumers before 8 a.m. or after 9 p.m. These rules are in place to protect consumers from debt collectors who might harass them with incessant phone calls. Generally speaking, debt collectors may not call you after 9 p.m. However, there are two exceptions to this rule. First, if you have previously given the debt collector permission to call you at any time, they can continue to do so. Alternatively, if you are currently involved in a lawsuit with the debt collector, they may be in contact with you at any time of day. It is important to note that if a debt collector has violated the Consumer Debt Defense Law, you have the right to file a complaint. In such cases, it is best to contact the California Department of Business Oversight or the Federal Trade Commission, who can investigate the debt collection agency. Finally, it is important to remember that debt collectors must obey the law. If a debt collector harasses you by calling you after 9 p.m., it is a serious violation of the Consumer Debt Defense Law, and should be reported immediately.

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Can a debt collector call me after 9 p.m.?

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