Don\u2019t you just despise collection calls at home that always come at the most awkward moments? Have them call you back the 12th of Never.<\/p>\n
Collections calls have a tone all of their own and many of them are less than polite. Whether or not you do owe money does not mean collections personnel have the right to harass you in the privacy of your own home. You do have rights, even as a debtor, and threatening calls day or night are out of line.<\/p>\n
If you are receiving these kinds of calls at home, do two things. First check your state legislation to find out what the law is in your state about getting collection calls. Then contact a skilled attorney to get the rest of your questions answered. You should know that there is something called the Fair Debt Collection Practices Act that outlines when a debt collector may call.<\/p>\n