A collection agency has called me many times, even after midnight when we're all asleep. Are they allowed to do this?
The first step a collection agency must take is to send you a written notice in the mail. Then they must wait six days before they can contact you. After their first conversation with you, a collection agency cannot contact you more than three times in a seven-day period without your consent. "Contact" means the agents must actually speak with you, email you, or leave you a voice mail. If you don't answer the phone and the agents don't leave a message, it doesn't count as a contact.
Also, they can't phone between 9 p.m. and 7 a.m., not at all on statutory holidays, and only between 1 p.m. and 5 p.m. on Sundays.