
It is illegal for a debt collector to telephone you at work after being told to stop. Debt collectors cannot speak to anyone that you don't want them to speak to, including you, anyone at your place of employment, or any of your family and friends. Debt collectors cannot legally yell at you or swear at you, and they can not lie to you. They cannot threaten you, and they cannot sue you, unless it is convenient to you. And contrary to what debt collectors would have you believe, it is you who holds all the cards – if you know your rights. And if you decide to sue them it will cost you nothing.


