According to the FDCPA, what time frame is a debt collector allowed to make calls to individuals?

The Fair Debt Collection Practices Act (FDCPA) provides guidelines to protect consumers from abusive debt collection practices. Among these guidelines is a specific regulation concerning the timing of calls that debt collectors can make to individuals. According to the FDCPA, debt collectors are allowed to make calls only between 8 a.m. and 9 p.m. in the consumer's local time zone. This regulation is in place to ensure that consumers are not disturbed by calls at unreasonable hours, promoting a more respectful and reasonable approach to debt collection.

This particular restriction highlights the commitment of the FDCPA to safeguard consumer rights and to limit the potential harassment that can stem from incessant or inappropriate calls. It allows consumers to manage their personal and financial lives without undue pressure from debt collectors during hours when they are likely to be busy or otherwise unavailable.