Under the Florida Consumer Collection Practices Act, there are certain times when anyone trying to collect a debt is not allowed to contact you. Debt collectors are not allowed to call you before 8am or after 9pm. If you’re getting calls before 8am or after 9pm, keep track of when you’re getting these calls. Write down who is calling you, when they call you and what they say to you on that call. The Fair Debt Collections Act also makes it illegal to call outside those times, but this only applies to an entity that is only a debt collector.
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Frequently Asked Questions
What are the allowed hours for debt collector calls in Florida?
Under the Florida Consumer Collection Practices Act, debt collectors cannot call you before 8am or after 9pm. The Fair Debt Collections Act also sets the same time restrictions, but it only applies to entities that are exclusively debt collectors.
What should I do if a debt collector calls me outside allowed hours?
Keep track of when you're getting these calls. Write down who is calling you, when they call you, and what they say. This documentation can be useful if you need to take legal action against the collector.
Does the Fair Debt Collections Act apply to all creditors?
No. The Fair Debt Collections Act only applies to entities that are exclusively debt collectors. Original creditors are not covered by this federal law, though they may still be subject to the Florida Consumer Collection Practices Act.
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