Debt Harassment Help
Q: My ladylove is being called, daily or even oftener, by a credit card company. She has talked to them, three times, about her cutbacks at work (she's working less than 20 hours/week, because there just isn't anything for her to do (please see my pre-sig)). They've said they'll accept partial payments. Everyone she's talked to said that things are OK, and just pay what she can. If it were a debt collection agency, she'd be protected by the Fair Debt Collections Practices Act (FDCPA)[2]. However, this is the Original Creditor, so it seems the FDCPA doesn't apply. I've been searching all over the web, but I can't find anything on what protections a debtor has from harassment by the Original Debtor. Even WA's sites don't have anything, except a state law that duplicated the FDCP
A:
If anyone knows of any Federal or (WA) State law that would protect my
ladylove from these harassing calls, please let me know.
A:I'll see what I can come up with. Although, the main suggestion I
had apparerntly will not do any good in your case (FDCPA). My wife and I
have had some difficulties with credit companies in the past, and have been
moderately successful in getting them off our backs.
Have you considered taking the offensive, and suing them for just
straight civil harrassment, for damages exactly equal to the debt? >evil
grin