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The time frame in accordance with the FDCPA is between the hours of 8 a.m. and 9 p.m. in the account holder's time zone. However, this only applies to third party collectors, it does not apply to the original creditor. OC's are not bound by the federal debt collection act.

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โˆ™ 2005-04-19 21:30:22
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Q: Is it just legal for a creditor to call between 9-5?
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