Harassment is Against the Law! United Collection Bureau!
Which is what the nasty calls have been and this is the research I have done:
The Fair Debt Collection Practices Act (FDCPA) regulates how debt collectors must behave when attempting to collect debts.in our experience, some collection agencies knowingly violate the law as a calculated risk. These collectors are hoping that you aren't aware of your legal rights and that you will crack under the relentless pressure and pay them.
Don't be a victim! - Fight back against Bill Collectors
At Legal Helpers, we know that if you were able to pay your debt, you already would have. Your debt does not make you any less of a person and you should not have to suffer from constant harassment. If the debt collector's actions are violating the law, not only will Legal Helpers stop the harassment; you will also recover damages from the violators. Better yet, Congress forces the violators to pay your attorney fees.
A debt collector CANNOT:
telephone you an unreasonable number of times
telephone you at an unusual time / unusual place (can't call work after told not to)
disclose information of your debts to third parties
use profane or other abusive language
contact you after written notification that you do not want to be contacted any further
claim to be affiliated with any governmental organization
misrepresent the character, amount or legal status of a debt
threaten of to take any action that cannot be taken legally
accuse you having committed a crime
threaten or communicate false credit information
attempt to collect, until he honors your request to validate
use deceptive methods to collect debts
call you before 8:00 A.M. Or after 9:00 P.M.
Call you, but not announce who he/she is
... And more
call an attorney they will pay your attorney and your debt!!
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