Resources

(312) 818-6700

How late can a debt collector call me?

Posted by CTM Legal Group | Aug 15, 2016 | 0 Comments

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 CTM Legal Group today to fight back and reclaim your well-deserved rest.

About the Author

Comments

There are no comments for this post. Be the first and Add your Comment below.

Leave a Comment

The CTM Legal Group Is Here for You

At the CTM Legal Group, we focus on Commercial Litigation, Consumer Law, Corporate Law, Criminal Matters, Debt Defense & Bankruptcy, Family Law, Immigration, Labor & Employment, Municipal Law, Probate, Real Estate, Tenant’s Rights, Wills & Trusts, and Workers’ Compensation / Personal Injury and we are here to listen to you and help you navigate the legal system.

Contact Us Today

The CTM Legal Group is committed to answering your questions about law issues in Chicago, Illinois. We offer consultations and we'll gladly discuss your case with you at your convenience. Contact us today to schedule an appointment.

Menu