Why Is a Debt Collector Calling Me at Night?

person on phone at night

If you are currently struggling with unpaid debt, you may have experienced the stress and frustration of receiving harassing phone calls from debt collectors. They may call you repeatedly, threaten you with legal action, or use abusive language. In some cases, they may even call you late at night, perhaps waking up you or your family. This is unacceptable, and if it is happening to you, our firm can help. Read on and reach out to a seasoned New York City debt collection harassment lawyer from Rahman Legal to learn more about whether a debt collector can lawfully call you at night and how we can help if your rights have been violated. Here are some of the questions you may have:

Can a debt collector call me late at night?

No, a debt collector may not call you at night. In fact, according to the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from unfair and deceptive debt collection practices, debt collectors are not allowed to call you before 8 a.m. or after 9 p.m. in your time zone, unless you have given them permission to do so. When debt collectors call past 9 p.m., they are violating this Act, and, not to mention, your privacy.

What can I do if a debt collector is harassing me?

First and foremost, you need to understand that debt collection harassment, or the practice of harassing individuals over a debt they allegedly owe, is illegal. Therefore, if you believe you are being harassed over a debt you allegedly owe, we strongly advise you to speak with a seasoned consumer lawyer who can assess the circumstances of your case, and, from there, devise a strategy to best halt the harassment and win you the compensation you deserve. As long as you and your lawyer are successful in your claim against the debt collector, the harassment should stop permanently, and you should also receive compensation for the damages you have incurred as a result of the harassment. Importantly, as long as you win your lawsuit, attorney fees should also be covered.

The bottom line is that if you are a victim of debt collection harassment, you do not have to suffer alone. You have rights, and Rahman Legal is here to help you protect those rights. Contact us today so we can get started fighting for the justice and peace of mind you deserve to move on with your life.

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