Problem with this is these trolls can call and harass citizens YET our lawmakers are exempt from anyone doing it to them which is unconstitutional. You can't make laws that don't apply to everyone. Problem is we as a society are stupid and we allow such things. When these people call me I let them have it in full force. I pay all my debts and if this is for student loans.....I never had one. I have had the same cell number for 8 years and until I moved to North Dakota I NEVER received these unethical calls. So I become a sailor......don't like what I have to say.....DON'T CALL ME. Never is anyone calling for me when its a number I don't recognize. My home phone is much the same. Dead beats change their numbers and I get stuck with it as my new number.
If they are calling you before 8 am all you have to do is answer the phone and tell them they are breaking the law and you are going to report them. They will hang up. They may call back but they will watch their time zones. I have been in collections and I know the laws. I get a kick out of them calling. I don't say anything until I know who they are and why they are calling them I tell them. How can I help you at 5:30am. if They keep talking then tell them they are breaking the law.