Most people assume a debt collector can call as often as they want, whenever they want. They can't. The Fair Debt Collection Practices Act (FDCPA) puts real limits on collector conduct — limits that are violated constantly, often because people don't realize the rules exist.
There are time-of-day limits. Collectors generally can't call before 8am or after 9pm your local time. Calls at 6am or 11pm aren't just rude — they're a violation of the FDCPA.
Calling to annoy or harass is itself a violation, separate from anything about the underlying debt. Repeated calls placed with the intent to abuse or harass — think dozens of calls in a single day — can violate the FDCPA even if every individual call is otherwise "polite."
They can't misrepresent the debt or threaten. Claiming that they've filed a lawsuit when they haven't, or misstating how much you owe are all common violations.
If a collector has crossed these lines, the FDCPA allows you to bring a claim — and the strongest cases are the ones where every call, voicemail, and letter has been documented as it happened, not reconstructed from memory afterward.
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