When are collectors permitted to call about a debt?
Collectors can contact you by phone between 8 a.m. and 9 p.m., unless you tell them that they are permitted to contact you outside those hours. For example, some people may work shifts and it may be inconvenient to receive calls during regular business hours.
If you receive collection calls, it is important to document the calls by noting the date, time of day, name of caller and collection agency, the caller ID, and details of the phone conversation or phone message.
Cary Flitter comments on collection calls: Philadelphia Magazine: Don't Pick Up the Phone