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

In Virginia, debt collectors cannot call you after 9 p.m. as protection against being harassed by debt collectors. This rule is part of the Virginia Consumer Debt Defense Law, which was enacted to give protection to consumers from unfair or aggressive debt collection practices. Under this law, debt collectors are only allowed to call you between 8 a.m. and 9 p.m. unless they have prior consent from the consumer. This law also prohibits collectors from using abusive or threatening language, calling the consumer’s work, or harassing them with multiple calls. If a debt collector does violate the law, the consumer can file a complaint with the Virginia State Corporation Commission. Finally, debt collectors cannot threaten you with legal action if they do not have the intention or authority to follow through. If you are being harassed by a debt collector, you have the right to file a complaint with the Virginia State Corporation Commission to protect yourself from further harassment.

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

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