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Q:
Is there a law against creditor harassment by phone?

Is there a law against creditor harassment by phone? -Jeri

Jeri,

Yes, there are laws to protect consumers from harassment. For example, debt collectors may not: use threats of violence or harm; publish a list of consumers who refuse to pay their debts (except to a credit bureau); use obscene or profane language; or repeatedly use the telephone to annoy someone.

However, what actually constitutes harassment would be up to the courts to decide, if you chose to sue a creditor for harassment. Some courts might feel what this creditor/collector has done is harassment while another court would consider those collection tactics a routine collection practice.

I recommend you visit the Federal Trade Commission’s website. There, you can read the Fair Debt Collection Practices Act. It is located in the 'credit' category of the 'consumer protection' section.

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