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Sample Letter 8c to Debt Collector: 
Contact at Inappropriate Time

Certified Mail No. _________________
Return Receipt Requested


Name of Debt Collector
City, State, Zip Code

Re:  Account of [your name]; Account Number ______________

Dear [Debt Collector]:

The purpose of this letter is to demand that you stop telephoning me at inappropriate times, specifically after 10:00 p.m. at night.  I have received five telephone calls from your agency after 11:00 p.m. over the past month, which is in violation of the FDCPA.

The Fair Debt Collection Practices Act states specifically that:

"Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer's location." 

If this behavior continues, I will report your firm to the FTC,, my state's Attorney General's Office,  and explore all legal remedies available to me under the FDCPA.


Your name
Your address

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