Mar 5, 2009
Law Offices of Ross Gelfand, LLC
1-800-899-4353 Toll Free
1265 Minhinette Drive
Suite 150
Roswell, Georgia 30075
Phone: (770) 840-8482
Fax: (770) 840-8575
http://www.collectionfirm.net/services.htm
This is a law firm acting as a third party debt collector. They have violated Section 805 of the FDCPA, by calling you at such an outrageous hour:
§ 805. Communication in connection with debt collection [15 USC 1692c]
(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location...
http://www.creditinfocenter.com/legal/FDCPA.shtml#807
Go to the FTC's website and file a complaint:
https://www.ftccomplaintassistant.gov/