Federal and state laws are on the side of those who are in the process of stopping creditor calls, progressing beyond the normal range of decency and respectability–as long as a collection agency is the one at hand, not the original creditor. And stopping creditor calls can actually be prevented best by the consumer themselves, through direct communication with the original creditor. So why is it that so many consumers refuse to do anything about this form of creditor harassment?
The truth is, most people are totally ignorant on how credit and the creditors work, which supports the theory that not enough knowledge can do great harm. Stopping creditor calls can be easy or hard, depending on how armed the consumer is with knowledge regarding that they do have rights, and the creditor has a purpose other than to get the payment from them and take a cut.