Debt Collectors Call on Sunday: Understanding the Rules

Debt collectors can call on Sunday, but there are rules they must follow.

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from calling before 8am or after 9pm, unless you give them permission to do so.

If you're being called on Sunday, the collector must still follow these time restrictions.

Debt collectors can't call you at work if they know it's not okay with your employer.

Worth a look: Are Debt Collectors Allowed to Call on Sunday

Debt collectors must follow strict regulations to avoid harassment and abuse.

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from third-party debt collector harassment.

Debt collectors are prohibited from calling consumers on Sunday, but this can vary depending on the state.

The FDCPA prohibits debt collectors from abusing, harassing, and misleading consumers during the debt collection process.

Telling a debt collector to stop contacting you is a right you have under the FDCPA, but it's essential to do this in writing.

For another approach, see: Collection Tips for Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from third-party debt collector harassment.

If you've been sent to collections, debt collectors can be relentless in their communication, but you have rights.

The FDCPA prohibits collection agencies and debt collectors from abusing, harassing, and misleading consumers during the debt collection process.

Telling a debt collector to stop contacting you is just one of many rights you have under the FDCPA.

A unique perspective: Know Your Rights with Debt Collectors

Texas law provides strong protections against abusive debt collection practices. Specifically, the Texas Constitution ensures that no person shall ever be imprisoned for debt.

The Texas Finance Code outlines specific behaviors that debt collectors and original creditors cannot engage in, including falsely accusing you of a crime, using profane or obscene language, and misrepresenting that their communications are coming from an official government source.

Here are some examples of prohibited behaviors in Texas law:

These protections are in addition to federal law, which also prohibits debt collectors from using profane or obscene language and threatening you with violence or other criminal acts.

Sunday collecting hours in Texas can be a bit tricky. Debt collectors can contact you on Sunday, but they can't call repeatedly, and phone calls must be made at a "reasonable" time, which is generally defined as 8 a.m. to 9 p.m. local time.

You have the right to tell debt collectors not to contact you on Sundays if you consider it inconvenient. Many people observe important religious practices on Sunday or focus on spending time with their family.

Debt collectors can't call you at times they know are inconvenient for you, such as if you work nights and must sleep during the day.

Texas Law provides strong protections for consumers against unfair debt collection practices. Texas Constitution, Article 1, Section 18, ensures that no person shall ever be imprisoned for debt.

In Texas, debt collectors and original creditors are prohibited from engaging in certain behaviors, including falsely accusing you of a crime, using profane or obscene language, using a false name, and misrepresenting that their communications are coming from an official government source. These behaviors are outlined in Texas Finance Code Chapter 392, Subchapter D.

Take a look at this: Can Debt Collectors Sue You in Texas

To better understand what behavior is not allowed, here are some examples of prohibited actions:

By knowing your rights under Texas Law, you can protect yourself from unfair debt collection practices and maintain a positive relationship with your creditors.