Highly illegal unless given personal permission by the client or customer, creditor calls beyond the norm can be prevented by state and federal laws. But what exactly is the norm? By the time most nonpaying customers, either by choice or life’s circumstances happens to receive collection creditor calls the creditor can become very ugly. For this reason, every attempt to make some sort of arrangements should be done before things get to this point, even though there are situations when the money is simply not there.
The Fair Debt Collection Practices Act (FDCPA) limits the type of legal practices that can be practiced by debt collectors, recognizing that abusive debt collection practices—such as creditor calls–actually have a lot to do with the increase in personal bankruptcies, in marital instability, in the numbers of job loss, and with invasions of individual privacy. Most people do not go into debt on purpose, or for something to do because they are bored. Many situations are at fault: lost jobs, a drop in household income, emergency situations, or death in the family of a major income source.