Debt Collection Agencies: H

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If you have been harassed by a third-party debt collector, you may be entitled to a settlement. The FDCPA protects consumers like you from harassing tactics. For example, a debt collector cannot call you night and day.

A general rule of thumb is that a debt collector cannot call you before 8 A.M. your time, or after 9 P.M. your time. This FDCPA violation is not cut-and-dry—For example, if a debt collector were to call you at 7:58 A.M., a judge will likely not believe that he or she is in violation of the FDCPA.

When Hours Become a Violation

What could be considered a violation, however, would be a debt collector purposely calling you at 11 P.M. to harass you to try to get a payment quicker. A debt collector would also be in violation of the FDCPA if he or she specifically called you at a time you said was inconvenient, such as when you’re at work.

If you have been called at odd hours, you should speak with an FDCPA attorney as soon as possible. A creditor harassment attorney can protect your rights. Most importantly, once you hire an FDCPA attorney, debt collectors will not be able to legally call you.

Here are some third-party debt collection agencies beginning with the letter H: