Are there any restrictions on when a debt collector can call me?
When it comes to debt collection in New York, the Fair Debt Collection Practices Act (FDCPA) offers protection to consumers. Under the FDCPA, debt collectors are prohibited from calling you outside of certain hours. Generally, they cannot call you before 8:00 am or after 9:00 pm in your local timezone. However, this does not apply if you gave the debt collector explicit permission to do so. Debt collectors are also not allowed to call you at an inconvenient time or place, such as work. The FDCPA explicitly states that debt collectors must respect the "reasonable" requests of the person they are trying to collect from regarding when it is convenient to contact them. Furthermore, debt collectors are not allowed to contact anyone else regarding the debt unless it is to obtain necessary contact information for the debtor. They are also not allowed to use excessive communication, such as calling multiple times in a day or sending multiple letters or emails. It is important to know that the FDCPA also requires debt collectors to inform you of their name and the purpose of the call. If they fail to do so, this would be a violation of the FDCPA and would result in legal action. Overall, there are restrictions on when debt collectors can contact you in New York. For additional information on debt collection laws in your state, it is best to contact your local consumer protection program.
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