Creditors collecting their own debts are not covered by the federal Fair Debt Collection Practices Act. Even the FDCPA does not specify how many calls per day are too many - that's left up to a judge to decide.
Make sure you are keeping notes of each phone call. If you talk with the creditor, make a note of what was said. You can use our Free Debt Collection Worksheet for this.
The next step is to figure out how to handle this debt. Can a credit counseling agency help? Do you need to negotiate with the creditor? (You may want to listen to our debt settlement podcast for tips.) Or do you need to talk with a bankruptcy attorney?
In addition, creditor calls may be covered by state law. It would not hurt to talk with a consumer law attorney or your state attorney general to find out if there are state laws that protect you.
Please do let us know happens in the comments section for this question. We really hope you find a solution, and your experience may help someone else who is struggling with debt.
