A debt collector is not allowed to call you before 8:00 AM no matter what time zone they're calling you from. If a debt collector does call you before 8:00 am, that's a $1,000 violation per the FDCPA.
If a debt collector violates your rights and calls you before 8:00 am, print out the call log from your cell phone carrier and call a consumer law attorney to go after the debt collector. Always know you're rights as a consumer!
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