How late can a debt collector call me?

August 15, 2016

Receiving a phone call in the middle of the night can be a harrowing experience. Your mind races – is it an emergency? Has something happened to a family member? Even if it’s not an urgent call, you’re confused and disoriented and might not be able to think properly for a few minutes after being awoken so suddenly.

Sadly, this is when some unscrupulous debt collectors prey on their victims. They’ll call at all hours of the day, including the early morning hours, to harass and intimidate people into making mistakes that can cost them dearly. Debt collectors know they have the advantage in these situations and will use it to try to extract payment from people whose only desire is a night of uninterrupted sleep.

If you’ve been bothered by debt collectors at odd hours of the night, you should know that this practice is prohibited and you can respond with legal action. The Fair Debt Collection Practices Act (FDCPA) permits debt collectors to call people only between the hours of 8:00 a.m. and 9:00 p.m., local time. Calls placed after 9:00 p.m. can result in damages awarded to the aggrieved party, based on the frequency and nature of the illegal calls.

Everyone deserves the peace and calm of a good night’s sleep. A debt collection agency can shatter that calm, especially if it’s persistent about contacting you during the middle of the night. If you are in northern Illinois and you’ve been targeted by late-night, harassing debt collection calls, contact a debt collection attorney in Chicago today to fight back and reclaim your well-deserved rest.