What time is it in India? if it is 12:49am here?

[tiredofdebt1]

Just got a Payday loan collection call from B.I.G exactly at 12:45am....Can they do that if they are in another country? I thought they were supposed to stop calling at 9pm whatever time it is in the time zone they are calling...OMG.....and the v/m....is rediculous.....they have been callingme from 8am ....to 12:45am.....im pissed....

[chpxiii]

I'm assuming if they have operations and business in the U.S. they need to comply with the laws here. I know when I worked for an IVR company (interactive voice recognition - those systems where you dial a toll free number and then have an automated menuing system) when there were outbound calls (the system called you) we had to be very careful and program it to take into consideration the time zone of the phone number. Clients usually provided us with that information.

If the Payday Loan company is in the U.S. but contracted out collections, I would still think that they had to comply with the law. Hey, it's not your fault they decided to contract people on the other side of the world. THEY need to be up at midnight to call YOU between YOUR hours.

Write them a letter and start documenting when they call if it outside of the legal timeframe. Contracting a company in another country does not allow them to call anytime they want to, I don't think.

[BKOnce]

Were phone ringers turned off before mid-night sleep yet!?

[CPO]

Just got a Payday loan collection call from B.I.G exactly at 12:45am....Can they do that if they are in another country? I thought they were supposed to stop calling at 9pm whatever time it is in the time zone they are calling...OMG.....and the v/m....is rediculous.....they have been callingme from 8am ....to 12:45am.....im pissed....

Just a "side" note on this.

Laws are useful for those of us that obey them.

Collectors are well know for ignoring them, whether they are in CONUS or not.

May I suggest that you set up an answering machine, with recording capability and a ringer that turns off...

Turn the ringer off when you don't want to be disturbed.

If you have family, or other considerations requiring instant access via phone, consider a pre-paid cell phone...

Give the number only to those that must have it. Demand they never give it out.

Whether this collector has violated the law or not, and too what extent you can do anything about it in a timely manner is probably a matter for debate.

The collector is an agent for the creditor, and the creditor can probably can be held liable.

I know that in both my FDCPA settlements, the original creditor was also listed in the settlement agreement limiting my ability to sue at a later date. That indicates to me that there is some liability that the creditor, located in the US, can be held responsible for the actions of it's agents.

Set yourself up for the least hassle from collectors as possible.

Then find yourself a NACA attorney and sue, if possible.

Certainly, the FDCPA limits phone calls for collectors. Whether the federal courts feel they can reach out to companies outside CONUS is another matter.

CPO

[JollyGG]

They must obey the time zone that you are in.

There is no way you should be recieving calls anytime but between 8am and 9pm in your time zone.

[GoingDown]

Just a "side" note on this.

Laws are useful for those of us that obey them.

Collectors are well know for ignoring them, whether they are in CONUS or not.

May I suggest that you set up an answering machine, with recording capability and a ringer that turns off...

Turn the ringer off when you don't want to be disturbed.

If you have family, or other considerations requiring instant access via phone, consider a pre-paid cell phone...

Give the number only to those that must have it. Demand they never give it out.

Whether this collector has violated the law or not, and too what extent you can do anything about it in a timely manner is probably a matter for debate.

The collector is an agent for the creditor, and the creditor can probably can be held liable.

I know that in both my FDCPA settlements, the original creditor was also listed in the settlement agreement limiting my ability to sue at a later date. That indicates to me that there is some liability that the creditor, located in the US, can be held responsible for the actions of it's agents.

Set yourself up for the least hassle from collectors as possible.

Then find yourself a NACA attorney and sue, if possible.

Certainly, the FDCPA limits phone calls for collectors. Whether the federal courts feel they can reach out to companies outside CONUS is another matter.

CPO

Yes, the pre-paid cell phone is definitely the way to go for family and friends who need to be able to contact you at any time of the day or night. But tell them to not give out your cell phone number to anyone who calls them asking for your phone number or else creditors will get it. Other than that, pre-paid cell phone numbers are impossible for creditors to find, if you pay for them with cash.

Net10 is by far the cheapest pre-paid cell phone I have been able to find and as far as I can tell they work everywhere that has any cell phone reception.

[WantToBeDebtFre]

They cannot call you during that time. I used to work at a collection agency and we had to be very careful when calling to a different time zone that we were in compliance. Get proof and sue - you could make some money!