Can a collection agency call you seven days a week?

Yes, there are not consumer laws which disallow a creditor or collector to contact a debtor on weekends or holidays. The FDCPA does state that a collector may not use excessive means that would constitute harassment, or call at unusual hours (before 8 a.m. or after 9 p.m. debtor's time). Determining the violation of such laws is usually made by a judge if the issue becomes one of litigation, or by the state's attorney general office if the debtor files a complaint.