If a debt collector calls you at an inappropriate time, which law offers you protection?

The Fair Debt Collection Practices Act (FDCPA) is designed specifically to protect consumers from abusive and unfair practices by debt collectors. One of the key provisions of this law is that it regulates the times during which debt collectors can contact consumers. According to the FDCPA, debt collectors are prohibited from calling consumers at inconvenient times, such as early in the morning or late at night, unless they have the consumer's consent to do so. This law empowers consumers, ensuring they do not have to endure harassment at times that are disruptive or distressing.

In contrast, the other options focus on different areas of consumer rights and financial regulation. The Truth in Lending Law primarily regulates disclosure of information regarding credit terms, while the Electronic Funds Transfer Act governs electronic money transfers. The Bankruptcy Act pertains to the legal process of resolving insolvency for individuals and businesses, rather than issues related to debt collection practices. Therefore, the FDCPA is the law that specifically addresses the protection against inappropriate calls from debt collectors.