<<The Fair Debt Collection Practices Act was passed by Congress. It sets specific guidelines for third party collection agencies as to what they can and cannot do. Collection agencies who have been found to violate the Fair Debt Collection Practices Act can be fined large amounts, up to $10,000 a day, for each violation.>>

This act only applies to collection agencies. It does not apply the creditor. They can call you as often and whenever they feel like. Please correct me if I am wrong.

Since I don't know if they are collectors (they won't say), I just let them call and leave message. The letters are much more cival and productive.

I'm insisting that all correspondense be in writing. They scream about, but then they do eventually write. I can then take the letter to my attorney and discuss my response.

I don't feel that they have done anything unethical or illegal yet, just really rude.