Federal Fair Debt Collection Practices Act

The first part of the Federal Fair Debt Collection Practices Act that 'Harass You Forever Collection Agency' violated was when they called repeatedly, between 10 pm and midnight. 805a(1) states that a debt collector may not communicate with a consumer in connection with the collection of a debt at any unusual time and place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 am and before 9 pm, local time at the c…