The Fair Debt Collection Practices Act says that if a collection company is trying to get you to settle a debt, they can only call you between 8 a.m. and 9 p.m.
And Benjamin and Cynthia Washington say that’s exactly what happened.
Starting as early as 8:05 in the morning, and continuing until as late as 8:55 at night, HSBC’s debt collectors would call the Washingtons about a mortgage contract on their Ohio home, the couple alleges in a complaint filed this week in federal court.
What the Washingtons say happened to them fits with a larger pattern of intrusiveness in the collections industry.
The complaint alleges that the collectors would call the Washingtons seven days a week, sometimes as many as 14 times a day; that the calls were placed from January through March of this year; and that Cynthia Washington experienced so much “stress, anxiety, and depression” as a result that her blood pressure went up and she had to be placed on medication.
“Even the phone ringing, at this point, triggers an emotional and physical reaction with her,” said Doucet.