If you have been harassed by a third-party debt collector, you may be entitled to a settlement. The FDCPA protects consumers like you from harassing tactics. For example, a debt collector cannot call you night and day. A general rule of thumb is that a debt collector cannot call you before 8 A.M. your time, or after 9 P.M. your time. This FDCPA violation is not cut-and-dry—For example, if a debt collector were to call you at 7:58 A.M., a judge will likely not believe that he or she is in violation of the FDCPA. When Hours Become a Violation What could be considered a violation, however, would be a debt collector purposely calling you at 11 P.M. to harass you to try to get a payment quicker. A debt collector would also be in violation of the FDCPA if he or she specifically called you at a time you said was inconvenient, such as when you’re at work. If you have been called at odd hours, you should speak with an FDCPA attorney as soon as possible. A creditor harassment attorney can protect your rights. Most importantly, once you hire an FDCPA attorney, debt collectors will not be able to legally call you. Here are some third-party debt collection agencies beginning with the letter H: H & A Credit Corporation H&R Accounts, Inc. Haller, Harlan, & Taylor Halsted Financial Services Hamerhoff Law Group Hamilton Accounts Services, Inc Harbinger Processing Group, LLC Harris & Dial, PC Harris & Harris Ltd. Harris, Klein Associates, Inc Harrison Ross Byck, PC Harris & Zide Harvard Collection Service Harvest Credit Management VII, LLC Hauge Associates Hawkeye Adjustment Service Hayt Hayt & Landau HCI Healthcare Collections Healthcare Billing & Collection Services, Ltd. Healthcare Financial Services LLC Healthcare Financial Systems, Inc. Healthcare Revenue Recovery Group Health Services Asset Management, LLC Hearshe Kemp, LLC Helvey & Associates Herbert P. Sears Company Heritage Financial Recovery Services Hewitt Capital LLC Hidden Oak Group, Inc. High Mountain Collections Hilco Receivables, LLC Hillcrest Credit Agency Hillcrest Davidson & Associates HMC Group Hoffman Swartz and Associates Hospital Collection Services Hosto & Buchan Howard Lee Schiff Holloway Credit Solutions Hollis Cobb Associates HOVG, LLC HS Financial Group, LLC HSI Financial Services LLC HSM Receivables HSW Financial Recovery Hull & Associates Hunt & Henriques Hunter Warfield, Inc. Huntington Asset Management Corporation Huntington Debt Holdings, LLC