I am a private individual who is an unsecured creditor. When does contacting the debtor to discuss payment become more than an attempt to collect and border on harassment, or perhaps more simply put, when does it cross the line to being illegal. Interested in 1) calls to the home, 2) calls to work, 3) discussions in person Thanks for your help!
Different states have different rules governing such matters, and there is the federal Fair Debt Collection Practices Act, which does not generally apply to someone collecting their own debt. I'd suggest speaking with a local collection attorney. He or she can tell you just how far you can go in your state.
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