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Harrassing phone calls


lilshroppy5
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Violation. Keep documenting.

§ 805. Communication in connection with debt collection [15 USC 1692c]

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;

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I also pulled my credit report this morning and at least 3 accounts it show's current payments from Jan 06-Apr. 06. I haven't made any payments on any of my cards in a year. I'm not quite sure exactly how to read it but it say's OK under those months. Any sugguestions on how to take care of this issue? These were all "charge off" and "closed" accounts.

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