Better Solutions For Your Family, Future And Finances.

When can creditors call?

On Behalf of | May 30, 2023 | Debt Collection |

When creditors have an outstanding debt, they will certainly attempt to contact that individual when they fail to pay the debt back on time. They may do this by email, by sending a letter in the physical mail or by making a phone call.

That being said, there are restrictions on these phone calls. For instance, a debt collector cannot place continuous phone calls or call someone repeatedly in an attempt to harass or annoy them. This doesn’t mean that creditors cannot call to request the money be returned. But those calls can’t range into harassment, or it could be a violation of the consumer’s rights – even though they do owe the money.

Early morning calls

One restriction that creditors have to keep in mind is that they’re not allowed to call too early in the morning. Typically, this means before 8 o’clock a.m.

Late evening calls

Additionally, creditors cannot call later on in the evening, such as after 9:00 p.m. They do not necessarily have to call during the traditional work hours of 9:00 to 5:00, but it simply can’t be too early or too late, as that would turn it into a form of harassment.

Creditors can make requests

Finally, there are situations in which creditors can request not to be called at certain locations or times. For instance, someone may say that they have to work at a specific time and they don’t want any personal calls during work hours. This needs to be respected. 

Seeking what is owed

Understanding these restrictions shouldn’t stop you from seeking the money that is owed. It simply helps you to avoid legal trouble and guides you regarding how this process should happen. It’s important to understand all of your legal options and the steps you need to take the longer that debt goes unpaid.