Collectors Coming to My Home

by Katie
(brandon, ms, usa)

Just wanted to know if a debt collector coming to your home is considered harassment. Also along with that, had a text from someone I didn't know who was acting like he was my friend and it was an emergency that I call him, and wrong, it was the same company. I have had this company come to my home, 2 times in the past 4 years. And the text thing only once. I was told that since they are the original creditor that the fair debt practices act did not apply to them. Is that true? And is what they are doing considered harassment? They also call my cell # once a day and my work # once a day.

I'm just confused. I want to pay them, but when i weigh groceries against that debt, groceries always win.