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Collection Agency calling at 9:45pm?



Tiffany99


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Sub: Collection Agency calling at 9:45pm?
Fri, 15/10/2010 20:59

I have been getting calls from I.C. Systems, a collection agency that is trying to collect on a medical bill. They called at 9:45pm last week, despite the fact that I had already spoken with one of their reps the previous week and advised as to when I could send a payment. Is calling that late copasetic or what? They are not on the West coast, so the time difference excuse cannot be used.

I am so glad I found this site - I am glad to know that I'm not the only one struggling and at the end of my rope.

Tiffany



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Debt Samaritan
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Sub: #1 Calls are based off your area code. All of the systems I workedFri, 10/15/2010 - 20:59



Calls are based off your area code. All of the systems I worked with were programed not to call out of legal calling time. If you have a east coast phone and are living in LA, unless the CA is notified that you live in in another time zone, there would be no voilation.

How to Deal with Illegal Loans..OhioGal's Primer
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PDL's are ILLEGAL in the following states...
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OH AND NH have very restrictive low cost interest rate laws.

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Unregistered

Sub: #2 Yes, debt collectors are allowed to call on every day of the weeFri, 10/15/2010 - 20:23



Yes, debt collectors are allowed to call on every day of the week including holidays during the timesframe of 8am to 9pm YOUR timeframe.

Quote:
Originally Posted by Anonymous
Are debt collectors allowed to call on Sundays? I've been told yes and no so I'm not sure what to believe


Sub: #3 CA's are NOT allowed to call before/after certain times. But....Sun, 11/15/2009 - 01:21



CA's are NOT allowed to call before/after certain times. But.....they do anyway. Even if they are on the West Coast, and you live in the East Coast, they SHOULD know what area code they are calling!!..you would think!!LOL I have 'Caller ID' on my phone. If I don't recognize a number, I just don't answer the phone.


NASCAR_Devil
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Sub: #4 Quote:Originally Posted by Anonymoustime zones........ GirlfrienSat, 11/14/2009 - 21:38



Quote:
Originally Posted by Anonymous
time zones........ Girlfriend and I are residents of Arkansas, but visiting friends in SC...... collection agency called 9:45 Eastern, where we are this week.

whats the rules on that?



Sounds like you're just splitting hairs. If you live in the Central time zone and that's the contact number they have, then the assumption is that's where they are calling. The fact you were visiting SC is irrelevant.


paulmergel
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Sub: #5 if it was 9:45 pm,then they were not allowed to call.if it was 9Sat, 11/14/2009 - 12:13



if it was 9:45 pm,then they were not allowed to call.if it was 9:45 am,then they acted legally.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


Unregistered

Sub: #6 time zones........ Girlfriend and I are residents of Arkansas, bFri, 11/13/2009 - 22:20



time zones........ Girlfriend and I are residents of Arkansas, but visiting friends in SC...... collection agency called 9:45 Eastern, where we are this week.

whats the rules on that?


Unregistered

Sub: #7 They also cannot call if it is inconvenient for you. If you areThu, 07/23/2009 - 21:34



They also cannot call if it is inconvenient for you. If you are having dinner, tell them "we have dinner and get the kids ready for bed from 5PM to 7PM, do not call during this time" and legally they are required to honor it. If you tell them that your religion requires you to not conduct business on a Sunday they must also honor that. Per FDCPA.


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Debt Samaritan
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Sub: #8 In all places they cannot call you before 8 am or after 9pm seveThu, 07/23/2009 - 18:06



In all places they cannot call you before 8 am or after 9pm seven days a week, 365 days of the year. IC systems needs to upgrade their computer and their training manager by the sounds of things.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


kscornell
kscornell

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Sub: #9 They can call 7 days a week--they are just restricted as to the Thu, 07/23/2009 - 17:57



They can call 7 days a week--they are just restricted as to the times they can call you. For instance, in most places, they can't call you before 8 am or after 9 pm.


Unregistered

Sub: #10 Days of the weekWed, 07/22/2009 - 14:24



Are debt collectors allowed to call on Sundays? I've been told yes and no so I'm not sure what to believe


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