They are allowed to call any day of the week.  The calls are only allowed between 8 am and 9 pm your time.  If they left a message or talked to you, they must do this:

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

You need to learn how debt collection is supposed to work, and while you are there, report this outfit so that they get fined again and again.  Eventually they will run out of money between being sued (and losing one case to the tune of 80 Million Dollars) and being fined.

Read up on your rights here and also make a complaint at this government site:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   http://800notes.com/faq/attorney-general

The fact that you have put up with this for 4 years and have not done anything about it amazes me.  Perhaps you should take the time to read my other post, and then sue them and let them pay you for the harassment.  Once you tell them that you are not going to pay, they must by law stop calling.  In addition to reading my other post, you need to use this to get a lawyer that will help you out.

You need to send them a certified, return receipt cease and desist calling letter (think of it as the best $6.47 you ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Portfoloio Recovery collections

As a former court employee the court will let you know if anything has been file against you. "A Notice To Appear" will be delivered to you by the sheriffs dept.

Never leave a message