Say, for example, Alexander is hanging out with his old high school friends, just playing some darts at a local sports bar. He's been out of work for four months and is really feeling the strain of his many past due debts. Not surprisingly, he is grateful for this night out with his good buddies. It is his turn to play when his mobile phone chimes, so he picks up before noticing the phone display. He notices clicking sounds as though he's on the line with a computer. He repeats, "Is anyone there?" until a female voice starts talking. It's a collection agency. He's mad as anything but too ashamed to let his friends hear who's calling, so he just puts his phone back in his pocket and says, "Must have been a wrong number." If you're getting auto-dialed calls to your phone from a collection agency, it may be a Telephone Consumer Protection Act violation.
Let's assume that Wesley and Gertrude are at home, reveling in a romantic supper in celebration of his birthday. It is late, and as she brings out a bottle of wine, he clears the dinner plates and turns on some romantic music. Suddenly, his phone rings and he looks at the time. It is 9:50 p.m. It’s their bank, calling about their late payment on their credit card. It’s clear that they’re receiving a call from a computer or machine when they answer the phone and hear buzzing and clicks. Feeling annoyed, the couple's attitude collapses as the pair sits down at the table to talk about what to do. If you are getting auto-dialed phone calls to your mobile phone from a loan company calling you after 9 p.m., that might be a violation of the Telephone Consumer Protection Act.