Does a debt collector have the right to contact you at any time of the day or night?

A debt collector does not have the right to contact you at any time of the day or night. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are restricted to contacting consumers only during specific hours. These hours are defined as between 8 a.m. and 9 p.m. in the consumer's local time zone. This regulation is in place to protect consumers from harassment and to ensure that communication happens at reasonable times. If a collector attempts to contact you outside of these hours, it is a violation of the law. As a result, the correct answer indicates that debt collectors cannot call at any time, confirming that such actions would not be permissible.