Can a debt collector contact me at any time of day?

In Florida, debt collectors are allowed to either contact you by phone or mail to ask that you pay the debt they are trying to collect. The Fair Debt Collection Practices Act (FDCPA) outlines the rules and regulations debt collectors must abide by when collecting a debt. According to the FDCPA, debt collectors are prohibited from calling consumers at any time of day or night unless they are given permission to do so. If a debt collector contacts you before the hours of 8 a.m. or after 9 p.m. without your permission, they may be in violation of the FDCPA and could potentially be facing civil penalties. Additionally, debt collectors are prohibited from making repeated calls, so they cannot call you multiple times throughout the day. Furthermore, debt collectors may not call you at any place of employment if they are aware that it is prohibited by the employer. If a debt collector continues to contact you after you have told them to stop, or if they are contacting you at an inconvenient time, you may have grounds to file a lawsuit. You can contact an attorney to learn more about your rights and to understand the laws governing debt collection in Florida.

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Can a debt collector contact me at any time of day?

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