Auther Created By:
Stacy B. Miller On 29th Jul,19
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What to do if a debt collector calls you on Sunday
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Sundays are all about lazy mornings, hearty laughter, delicious healthy snacks, cozy dinners, and peaceful naps. This is that day of the week, which we all look forward to for surviving the Monday blues. Sunday is that day of the week when you finally get time to rest your tired bones and heart. You’re the king or the queen of your house on Sunday. You can do anything you want. You can complete your pending household chores or you can enjoy the much needed ‘me time.’ The choice is absolutely yours.

Now, what if a debt collector decides to ruin your perfect Sunday just because you have unpaid bills in your hands? What can you do in such a situation? Will you let yourself suffer, or will you prefer to do something about it? If you belong to the second category, then this article is for you.

Are debt collectors allowed to call on Sunday?

Well, when you have unpaid debts but don’t have a penny to pay off them, they become a burden on your shoulder. Debt collection agencies start chasing you for payments every other day. They call you, send letters, and threaten to file a lawsuit against you.

As per the FDCPA rules and regulations, debt collectors can call you during the weekdays (that is from Monday to Saturday) between 8 am and 9 pm. But on Sunday, debt collectors can call you between 1 pm and 5 pm. They can’t call you beyond that time.

What to do if collection agencies call you on Sunday

FDCPA laws allow collection agencies to call you between 1 pm and 5 pm. If you’re not comfortable receiving collection calls on Sunday, then you can ask debt collectors to not call you on that particular day. As per the FDCPA guidelines, collection agencies can’t call you on Sunday if they are specifically instructed not to do so. Even, collection agencies can’t call you during Christmas or on any other holidays if you give them a prior notification about it. Moreover, in some states, collection calls during the official holidays are strictly prohibited.

Ask the debt collection agency to call you during the weekdays if you genuinely owe something. If the debt is valid, it’s better to pay it off as soon as possible. Otherwise, collection agencies won’t stop chasing you for payments.

If you don’t have sufficient money to satisfy your creditors, then you can try to settle your unpaid accounts through a professional debt relief company or a law firm like OVLG. The added advantage of working with a law firm is that apart from the settlement of your debts, you can get legal advice and suggestions from the debt attorneys.

The law firm or a debt relief company can negotiate with collectors keeping your affordability in mind, and help to lower your payoff amount. It will help you manage debts smartly, save money, as well as get rid of collection calls on Sundays and other 6 days of a week.

What if debt collectors call you after 5 pm on Sunday?

As mentioned before, the Fair Debt Collection Practices Act allows collection agencies to call debtors on Sundays between 1 pm and 5 pm. However, some collection agencies don’t follow FDCPA regulations and call debtors at night. In that case, debtors can contact OVLG’s experienced FDCPA attorneys to revolt against unfair debt collection practices. The attorneys can help them to sue collection agencies due to the violation of the Fair Debt Collection Practices Act and get a financial reward of $1000.

Last Updated on: Mon, 29 Jul 2019

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