How many times can a creditor call before its considered harrassment??
2 Answers from Attorneys
Creditors can call debtors for payment or promises until 9:00 p.m. debtor's local time unless the debtor notifies the creditor in writing of some other time to call.
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There are two laws that govern consumer debts, the Texas Debt Collection Practices Act and the Federal Fair Debt COllection Practices Act. I don't normally handle consumer debts (we only do commercial collections) so I am not of much help. I can tell you that one of the statutes allows for statutory damages (i.e. minimum fines) for harrassment. I would suggest your obtaining a consumer protection attorney to pursue that.