What constitutes harassment under the Fair Debt Collection Act? How often can credit cards call you a day?

I am being driven crazy by calls from one particular creditor – and I’m only 10 days late w/ my payment!! Help? Is there something that I can do? I live in New York.
This is a first party credit card, not a collections agency. thanks!

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Comments (3)

 

  1. jimmyjohn says:
    April 25, 2010 at 12:52 pm

    You have to REQUEST that they not call you anymore, unless you agree to a certain date. They can call as often as they want to until you ask them not to. Also watch out for the late charges, and they will probably up your interest rate to the highest they can.

  2. Mrs. M says:
    April 25, 2010 at 1:10 pm

    is it 1st party? meaning is it bank of america card and bank of america is calling? they can legally call as much as they want.

    if its 3rd party, your in collections they can only call one time per day with contact. otherwise no contact/message they can call every few hours.

  3. saved_astronaut says:
    April 25, 2010 at 1:45 pm

    i knew of some 1 who claimed 2 have been cald 40 + x per day…….. that’s a lil much

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