Middle of the night/early morning phone calls and texts are the worst. My initial thought: “Who’s dying?” Isn’t that the only reason to wake someone up between 11:00 p.m. and 6:00 a.m.?
As difficult as inconvenient phone calls and texts can be, it is most obnoxious when someone I don’t even know calls or texts. And the last thing I’d want at 6:00 a.m. is a debt collector calling me. Note to collectors: If you call me early in the morning, good luck collecting! Call me back after 10:00 a.m. when I can remember my manners (and my name).
Among the myriads of rules and regulations for the collections industry, there are rules about when you’re allowed to call a debtor and when you’re to leave them alone. The general rule from the FDCPA is 8:00 a.m. – 9:00 p.m., though some states have their own calling restrictions.
Pretty decent rule. The last thing you need is to wake up some cranky debtor in California at 6:00 a.m. when you’re in Milwaukee trying to make contact, especially if you are trying to abide by the rules.
It used to be a lot easier to determine where a person lived because area codes told the whole story. Trouble is, with cell online casino phones and portable numbers, you can have a 360 number (Washington State), move to Cedar Rapids, Iowa and keep your number. Hence, the 6:00 a.m. phone call can now become a reality.
IAT helps collection agencies avoid legal issues by not dialing outside of standard legal calling hours.
For years, IAT has set up the dialer so that it won’t call any phone numbers with area codes outside of the legal calling zones. Even if the number is next in line to be called, the dialer just won’t do it. In our 8.0 product release, we’ve also added zip codes to our pre-dial checklist to combat issues with phone number portability. Now you can check for area code, zip code or both.
Make sure your dialer screens for zip code and area codes before you start dialing to avoid legal issues and cranky debtors.
And don’t expect me to answer politely until at least 8:00 a.m.
This article was written by Kendra