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

No, a debt collector cannot call you after 9 p.m. in South Carolina, according to Consumer Debt Defense Law. This includes any person or company working on behalf of a debt collector, such as a collection agency. Under the law, debt collectors are generally prohibited from contacting consumers before 8 a.m. or after 9 p.m., or on any other day or hour that is known or should be known to be inconvenient to the consumer. To protect consumers from harassing phone calls, the law also states that a debt collector must not contact a consumer more than twice in any seven-day period for each debt owed. This applies regardless of the day or hour that the debt collector contacts the consumer. If a debt collector contacts a consumer more than twice in the seven-day period, that can be considered harassment, and the consumer has a right to sue in court. Additionally, Consumer Debt Defense Law prohibits debt collectors from contacting consumers at their place of employment, unless the consumer consents to the contact. So, if a debt collector contacts you at work, you should tell them that you do not consent to this form of contact. It is important for consumers to know and understand their rights under Consumer Debt Defense Law in South Carolina. With the right information and understanding, consumers can protect themselves from predatory debt collection practices.

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

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