Section 805 of the FDCPA prohibits a debt collector from calling you at any unusual time or place that is known or should be known to be inconvenient for you. Therefore, if it is inconvenient for you to receive calls at particular times or places, you should inform the collector of this fact. The collector then has a legal responsibility not to contact you during those times or at those places. This request does not have to be in writing to be effective, as collectors must obey your oral request not to be contacted at certain times.

If the collector is unaware of any inconvenient times to contact you, the FDCPA assumes convenient times to contact you are after 8 a.m. and before 9 p.m. in your time zone. However, if you inform the collector you work nights and it is inconvenient to receive calls during the day, the collector may not call you during daytime hours.

A debt collector may contact you at your place of employment unless you inform the debt collector it is inconvenient for you to receive calls at work, or the collector should know that such calls are inconvenient. Debt collectors must comply with your oral or written request not to be contacted at work.

A debt collector is not prohibited from contacting you on a Sunday unless the debt collector knows or should know it is inconvenient for you to receive a call on Sunday. If you request not be contacted on any particular day of the week, the debt collector may not call you on that day. The FDCPA does not bar telephone calls on any particular holidays, however, a debt collector may not contact you on a holiday if the collector knows or should know that contacting you on that holiday would be an inconvenience. Thus, you can tell the collector, “Don’t call me on Memorial Day,” and the collector must obey your request not to be called on Memorial Day.

Section 806(5) of the FDCPA prohibits a collector from causing your telephone to ring or engaging you in a telephone conversation repeatedly or continuously with the intent of annoying, abusing or harassing you. Neither the FDCPA nor court decisions specifically define how many calls would constitute harassment.

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Under the FDCPA, you may send a letter to a collector requesting all collection calls to cease. In order to be effective, such a request must be made in writing. Once the request is received by the collector, the collector may only contact you once more to inform you collection efforts will cease or to notify you of the specific remedies the collector or creditor ordinarily uses or intends to use in its attempts to further collect the debt from you. If you are unable to receive calls at any specific time or place, it is very important you notify the collector of this fact to invoke your rights under the law. You can then work with the collector to arrange times to communicate which would be convenient for you.