What is the latest time a collector can place a call to a consumer?

The correct answer to the question regarding the latest time a collector can place a call to a consumer is 9:00 p.m. This time is set in accordance with the Fair Debt Collection Practices Act (FDCPA), which establishes guidelines for the operation of debt collectors in the United States.

Under the regulations specified by the FDCPA, collectors are prohibited from contacting consumers at inconvenient times. Specifically, calls cannot be made after 9:00 p.m. local time of the consumer unless there is prior consent or specific arrangements have been made.

Understanding this timeframe is essential for ensuring compliance with legal standards that protect consumers from harassment and intrusive practices. This regulation is designed to respect the privacy and personal time of consumers, thereby fostering fair debt collection practices.