You certainly don’t want a debt collector to contact while you’re at home, celebrating a holiday with friends and relatives.

Good news is that protections are in place to prevent abusive and discriminatory debt recovery practices.


The Fair Debt Collection Practices Act (FDCPA) states that a debt collector should not contact a borrower “at any unusual time or place or time or place known or known to be inconvenient for the consumer.”

With this rule in mind, early mornings and late nights are not appropriate times of day for debt collectors to call. So will creditors call for a holiday? Since certain holidays are public knowledge, you would usually expect debt collectors to not call at these times.

Having said that, it is necessary to remember that not all localities, states or countries recognize the same holidays. Will collectors call on a holiday? Technically, yeah, yes. But you can ask them to stop.


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