Can Debt Collectors Collect Debt on a Holiday?
I’ve been asked by a few clients whether or not it was a violation of the FDCPA for debt collectors to contact them on Thanksgiving. The general answer is, “Yes, if you tell them not to call you on Thanksgiving.” The FDCPA prohibits debt collectors from collecting debts at any unusual time known or should be known to be inconvenient to the consumer. Because America is full of many diverse religions, it might be a stretch to say the debt collectors should have known a certain religious holiday was inconvenient for a particular consumer. As such, if you don’t want to receive collection calls on a particular day for religious or any other reasons, its safest to request, in advance, that the debt collectors not call you on that day. The same goes for Sundays. Debt collectors are allowed to contact you on Sundays unless you tell them it is inconvenient for you to receive calls from them on Sundays. If you receive a call from a debt collector on a certain day where you’ve informed them not to contact you, call us at 866-339-1156. We will go after the debt collector and make their harassment inconvenient for them.
Jeffrey Hyslip
