Are there any restrictions on when a debt collector can call me?

In Texas, debt collectors must comply with the Fair Debt Collection Practices Act (FDCPA) when contacting borrowers. This law prohibits debt collectors from calling you before 8:00 a.m. and after 9:00 p.m. in the local timezone of where you reside. Furthermore, debt collectors must clearly identify themselves during all communications, and cannot use deceptive or misleading tactics such as harassing, oppressive, or abusive behavior, or any false, deceptive, or misleading representation. If a debt collector contacts you, they must also explain the purpose of the call and name the original creditor for the debt. Additionally, they cannot call you at work if you’ve asked them not to or if your employer does not allow it. Debt collectors are also not allowed to contact you if you’ve sent them a written request to stop contact. Once they’ve received that notice, they can only contact you to confirm that contact will cease, or to inform you that they are taking a specific action. They also cannot contact you at an unusual time or place that would be known to be inconvenient. If a debt collector has violated any of the rules outlined in the FDCPA, you have the right to file a complaint with the Federal Trade Commission (FTC) and the Texas Attorney General’s Office. You may be entitled to relief such as reimbursement of court costs or attorney fees, as well as other damages, depending on the severity of the violation.

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Are there any restrictions on when a debt collector can call me?

Are there any restrictions on when a debt collector can call me?

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