I got a call at 9:00 pm tonight. I answered the phone and dead silence. I kept saying hello no response. So I dialed the number back to see who is calling so late, it was a collection agency, but it was a recording saying they were closed. What legal rights do I have.
Debt Collection Attorney
Under the FDCPA a debt collector must contact a debtor before "9 o'clock postmeridian." However, under specific state laws, this time may be different, so I do not know what your legal rights might be under state law.