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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.


collection agencies are only allowed to call between the hours of 8am-9pm. They are in violation of the fdcpa laws in regards to calling after the 9pm mark.

Sub: #1 posted on Tue, 06/20/2006 - 01:43

Not so Lucky Not so Lucky

(Posts: 3042 | Credits: 534.59)

Putting the matter straight, debt collectors must not call after 9 PM. This is against the Fair Debt Collection Practices Act. Read more about the fdcpa and know your legal rights.


You must have a proof of this violation in order to make your legal approach stronger. Get a recording device and attach it to your phone. Check the laws in your state if you are allowed to do the recording secretly. Also, note down the dates and time of the calls done to you for discussing it with your attorney.

Sub: #2 posted on Tue, 06/20/2006 - 01:53

Justme Justme

(Posts: 480 | Credits: 81.66)

IC Systems is located in the State of Minnesota and does calls nationwide. My daughter used to work for them and they are not allowed to call after 9:00pm. It must have been a new person that didn't realize that.
If you need their number, I can get it for you.

Sub: #3 posted on Tue, 06/20/2006 - 01:55

bkarels bkarels

(Posts: 41 | Credits: 15.95)

Ignorance of the law is no excuse. IC Systems needs to train people better if they are new and do not know not to call. The law states they must abide by the time zone of the state they are calling to, not the state they are calling from. I would definitely document their calls and report it.

Sub: #4 posted on Tue, 06/20/2006 - 03:19


They called me once at 10:00 pm and I told them about it, they said that since they were in a different state and they go by their time. I told them that wasn't true. I have also been trying to get a debt validation letter and they say they sent it but I still haven't received it. I told them that until they can validate my debt I am not sending them a dime.

Sub: #5 posted on Tue, 06/20/2006 - 18:42

landrylou landrylou

(Posts: 310 | Credits: 90.11)

debt collectors CAN NOT call after 9pm. no excuses what so ever. they must abide by your time zone, not theirs. please document the calls and if at all possible have proof (can easily be retained if they are calling a cell phone number).

try sending them a c&d letter and let them know you will not tolerate their illegal practices. be sure and send certified w/ ret. rec. in case they chose to ignore this as well.

You might also want to complain to the attorney general's office in your state and their state as well.

Sub: #6 posted on Fri, 06/23/2006 - 07:49

lucyinthesky lucyinthesky

(Posts: 19 | Credits: 6.58)

why can they call after 5pm there is no reason why they have to call when people are eating dinner with their family or just getting home from work

Sub: #7 posted on Thu, 07/16/2009 - 05:17


They call after 5pm because people are is considered prime time calling. That and saturday am.

Sub: #8 posted on Thu, 07/16/2009 - 05:32

Moderators Cum Industry Expert
(Posts: 17209 | Credits: 4746.14)

What gets me about collectors is, why they call back so soon. For instance, they will call me at 7:00pm. I tell them, "look, I don't have it". Then, they call back at 7:15pm and ask again! What the hell do they think changed from 7:00-7:15?

Sub: #9 posted on Thu, 07/16/2009 - 19:57

jmoon219 jmoon219

(Posts: 48 | Credits: 8.14)

Calling you back within 15 minutes on the same account would be considered harrassment.

Sub: #10 posted on Thu, 07/16/2009 - 20:09

Moderators Cum Industry Expert
(Posts: 17209 | Credits: 4746.14)

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