CNJ Posted December 6, 2004 Report Share Posted December 6, 2004 Been receiving calls from a creditor (target)on Sunday.... I thought that calling sundays was not permitted, they said it is. (it appears that if you have an account with target and your payment is 5 days late they start "calling" to prevent you from allowing your payment to lapse and get behind. ) thanks Link to comment Share on other sites More sharing options...
DocDon Posted December 6, 2004 Report Share Posted December 6, 2004 The rules for contact is section 805 of the FDCPA. Click the link at the top of the page. You should check your own state collection laws as well in case they specifically cover other restrictions. Link to comment Share on other sites More sharing options...
Recovering Attorney Posted December 6, 2004 Report Share Posted December 6, 2004 It iwll depend on state or local law, but there is no apparent prohibition from calling on a Sunday. Time of the day, yes. But Sunday is apparently ok. I researched this for an employer and concluded that Link to comment Share on other sites More sharing options...
willingtocope Posted December 6, 2004 Report Share Posted December 6, 2004 Besides which, if its Target (the original creditor) than most of the rules don't apply to them. OCs can be as nasty as they like... Link to comment Share on other sites More sharing options...
LadynRed Posted December 7, 2004 Report Share Posted December 7, 2004 Calling on Sunday, as already noted, is not specifically prohibited. However, they may not call at a time that is known to be inconvenient .. so if you TELL them that its inconvenient, they should not be calling.From the Staff Commentary on the FDCPA - re: section 8052. Inconvenient or unusual times or places (Section 805(a)(1)). A debt collector may not call the consumer at any time, or on any particular day, if he has credible information (from the consumer or elsewhere) that it is inconvenient. If the debt collector does not have such information, a call on Sunday is not per se illegal.Unfortunately, the OC cannot be bound by this Link to comment Share on other sites More sharing options...
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