Ok here is one that may be helpful for someone here other than continuance. FOR THOSE OF YOU WHO MAY NOT KNOW:
A CREDITOR CAN:
- CONTACT YOU BY PHONE
- CONTACT YOU BY MAIL
- CONTACT YOU IN PERSON
That last one scares me, but I try not to worry about it too much. #1 can be fixed pretty easily… Get caller ID or have your number changed altogether to unlisted. I did.
A CREDITOR MAY NOT:
- CONTACT YOU AT WORK IF YOU HAVE GIVEN THEM INSTRUCTIONS NOT TO
- DISCUSS YOUR DEBT WITH YOUR EMPLOYER
- CONTACT YOUR FAMILY TO DISCUSS YOUR DEBT
- POST YOUR DEBT PUBLICLY
I used to have a list and will post it here if I can find it. But these are the main ones. And if you happen to answer the phone and it’s a creditor, you have the right to ask them that they only contact you by mail, and if they call again, they are in violation and you can contact the PFDC (Partners for Fair Debt Collections).
In some cases they can be fined, and you MAY be entitled to a judgement against them. Most won’t contact you by phone again, but it is good to know that this law is there for the creditors that harrass us.