Lot of people who are delinquent in their payments, receive calls from collection department of the lender/creditor. These people must be specifically trained in providing a "guilt trip" on the phone and talk as if the money is owed to them directly. I feel they should be thankful to the person who is delinquent because they have a job exactly for the same reason (borrower is behind).
In any event, in California, the state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact before 8 am or after 9 pm. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. You can get more detailed information about debt collection activities by calling Federal Trade Commission at 1-877-FTC-HELP or by visiting www.ftc.gov.
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