Legal Question in Credit and Debt Law in Minnesota

collection call

the internal collections for the bank my car loan is with recently called my parents house at 630am(they live in az and i live in mn), they hung up when they were told what time it was but they did say their name first. when i told my parents to check the caller id for proof they said the call is there but says 'out of area' for the number. do i have enough 'proof' of the call to take actions against the company?


Asked on 3/30/07, 11:31 am

1 Answer from Attorneys
Andrew Miller Law Office of Andrew S. Miller, LLC

Re: collection call

This may be grounds for an FDCPA (Fair Debt Collection Practices Act) violation. The Act prohibits certain types of "abusive and deceptive" conduct when attempting to collect debts, including contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time. Be sure to contact an attorney to discuss this matter. I personally have much experience in collection, feel free to contact me to discuss this matter.

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Answered on 3/30/07, 11:37 am


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