How can a person stop their creditors from harassing them?

Federal law greatly protects that harassed debtor; The Fair Debt Collection Practice bars credits from harassing overwhelmed debtors. The Fair Debt Collection Practices Act ("FDCPA") gives a person specific legal rights to sue creditors who threaten or harass you, call you at off-hours, or make false representations to you including saying that they are going to attach your wages, sue or bring any kind of legal action when they are not. After a lawyer is retained, no creditor may contact you without your permission after they are advised that a lawyer represents you. You must first say that a lawyer (whoever it is) is representing you and that they should contact him/her. Give them the lawyers telephone number. If the creditor contacts you by any means (phone, letter, personal contact) again, NOTIFY YOUR LAWYER AT ONCE. You may have a right of action. Also, each contact that a creditor makes must contain words to the effect that: "I am _________. I am a debt collector representing ...  more