Bill collectors must operate under the constraints imposed by the Fair Debt Collection Practices Act and must limit their phone contacts with the alleged debtor to the hours specified in this Act (something like 9am to 9pm, I believe).
No. See Florida Statute 559.72(17) which prohibits a collector from "Communicat[ing] with the debtor between the hours of 9 p.m. and 8 a.m. in the debtor's time zone without the prior consent of the debtor." This statute provides other prohibitions as well.
In addition to the state and federal acts mentioned above, the Bankruptcy Code prohibits creditor calls and other contact while the automatic stay is in place (usually from filing through discharge) and after discharge (permanent prohibition).
Also, collectors could violate other laws, including the Fair Credit Reporting Act and a Florida law barring the use of automatic dialing machines without following certain rules.
You should contact a good lawyer to see if any of those laws were violated in your case or if bankruptcy would help you.
