Which of the following statements is true about the hours during which debt collectors can contact individuals?

Debt collectors are regulated by the Fair Debt Collection Practices Act (FDCPA), which establishes guidelines for how and when they may contact individuals regarding their debts. One of the key provisions is that debt collectors are only permitted to make calls between the hours of 8 a.m. and 9 p.m. in the local time zone of the consumer. This regulation is designed to protect consumers from harassment and to ensure that debt collection activities are conducted during reasonable hours.

This means that option C accurately reflects the legal limitations placed on debt collectors concerning the timeframes within which they can initiate contact with individuals. It is essential for both consumers and debt collectors to be aware of these rules, as violations can have legal consequences for the collectors. Other options present either a lack of restrictions or suggest that calls can be made outside this specified time, which does not align with the regulations under the FDCPA.