True or False? Bill collectors may call debtors at odd hours.

True or False? Bill collectors may call debtors at odd hours.

• A. True
• B. False
• C. Only if consent is given
• D. Not specified

Answer: (B)

The assertion is considered false because debt collectors are regulated under the Fair Debt Collection Practices Act (FDCPA), which sets clear guidelines for when they can contact debtors. According to the FDCPA, collectors are prohibited from calling individuals at unreasonable hours, specifically before 8 a.m. or after 9 p.m. local time, unless the debtor has explicitly consented to such calls. This is designed to protect consumers from harassment and ensure that they are contacted during reasonable hours. Thus, bill collectors cannot legally call debtors at odd hours, making the correct response to the statement false.

The assertion is considered false because debt collectors are regulated under the Fair Debt Collection Practices Act (FDCPA), which sets clear guidelines for when they can contact debtors. According to the FDCPA, collectors are prohibited from calling individuals at unreasonable hours, specifically before 8 a.m. or after 9 p.m. local time, unless the debtor has explicitly consented to such calls. This is designed to protect consumers from harassment and ensure that they are contacted during reasonable hours. Thus, bill collectors cannot legally call debtors at odd hours, making the correct response to the statement false.