What are the general hours for contacting debtors via Email and SMS?

General Hours:

Are there any exceptions to these contact hours?

What are the exceptions to the contact hours?

  1. Password Reset Emails:
  2. Payment Confirmation Receipts:

Why are these exceptions allowed?

Safe Window in UTC for Sending Compliant Emails

To determine the safe window for sending emails compliant with FDCPA contact hours across all U.S. time zones, including Hawaii, we must account for the following:

Key Calculations:

  1. Start of Contact Hours:
  2. End of Contact Hours: