sundays

I was wondering the same thing. Not a collection agency, but my car payment is late, and the place I took out the loan called on Sunday to remind me. That's the first time they've done that.

GFSIL sure called me a lot on Sunday...

I don't think I have ever received a collection call on a Sunday.

It use to be that they could not call on Sundays, but it seems more and more places are. Many moons ago when I worked for a collection agency/credit bureau, we were not all owed to call before 8:00 AM (customers time) or after 8:00 PM (customers time) and were not allowed to call on Sundays. I worked sometimes on Sundays and could only prepare letters to go out on Monday and catch up on notes, etc. We usually closed at 6:00, so people that we were collecting on did not have to worry about us after 6:00. Any more, though, Sunday seems to just be another day for these places. I asked my mortgage company one day when they called about calling on Sundays and they told me that it didn't matter what day they called. Sundays were the best day to call because most people are home on Sundays and it is easier to get a hold of people who owe money. Of course, we were not on a "dialer" system. We put in the numbers ourselves and gosh, we were even able to read notes!

It is a shame a person cannot have at least one day to spend with their family without having to deal with CAs or anyone else.

debt collectors have to follow the federal as well as the state laws. The fdcpa law is federal, but if the state law that they are following is stricter, you have to accept. There is no law that mentions not to call on Sundays. Note that creditors are not bound to follow the FDCPA.

I thought they were bound to follow the fdcpa? I may be wrong?

No, creditors don't have to follow the fdcpa. They are outside this set of federal rules.

Collectors CAN call on Sundays, but you have the right to tell them not to, and they have to abide by that.

see I learn something new everyday.....I thought they HAD to follow the fdcpa

But, your state may still regulate collection calls from an original creditor. California, for example does.

Also, collection agencies collecting debts not covered by the fdcpa, are not generally legally required to adhere to its regulations. These collection agencies may however, be contractually obligated to do so.

I'll Be :)

yes,they call saturday and sundays.it is illegal but they call.
i think the government needs to protect more consumers and the problem is that the best protection is for the big companies.

Original creditors can fall under fdcpa in very few unique situations. If they call you and give a different company name or any dirty tricks like that,fdcpa takes over. If they mail anything showing another company not related to oc in a trick to collect,fdcpa takes over. The full text of fdcpa shows how they can fall under it.

I had a collector call me on Thanksgiving day :evil:

i dont know they can call in sundays.
i'm tired of ltd 77074 and portofolio to call my house to harassed my husband for a account from 1992 that is not in his name.
i'm learning every day things with the fantastic members of this forum.
aspire visa loves to call in sundays when you paid
them 50,00.they call in sundays because you are shorter 3 dollars.

Thanksgiving Day??? That is just wrong! I think things have gotten so out of hand that it isn't funny. Heck, what happened to Suday's being a "day of rest" or holidays being for spending time with family? Ok, so no one rests on Sundays any more, but it can be a family day and no one wants to be disturbed that day or on holidays. Can put one in a very bad mood!!! I know it has me!

collectors in general can put me in a very bad mood! :evil:

Well, the do me also, but even more so when they call on a Sunday or on a holiday....of course when they call 10 times a day, that puts me in a bad mood also!

a creditor is allowed to call on Sunday ! I am a bill collector for a large credit card company .They have lawyers that review everything and trust me if it is a large and well known company and they are calling on Sunday it is legal they dont want to take any chances.All of the calls are documented and they record all of the dates and times of calls we are not allowed to call out before 8 am or after 9 pm the computer will automatically stop us from doing any illegal calls such as dialing out of regulations and we get written up immediatly and counseled and many will be walked out if we violate laws.Sundays it is legal to call you can request no calls on your account

Guest, you don't fall under fdcpa because of inhouse collections exemption if I am reading your post correctly. I beleive your attorney's are just taking caution because of the stricter laws in some states which reflects very well on your employer.