You say this as if being in debt and unable to make the payments, is no big deal. Getting calls from aggressive debt collectors at work, at home, on my cell, even to relatives and coworkers, is a form of "debtor's prison".
When I asked for breakdowns of the debt itself, which I'm allowed to do under the FDCPA, I rarely got a breakdown of the total debt. One company responded to my request by serving me papers and filing a lawsuit. When I hired a lawyer to intervene and respond to the lawsuit, they dropped the lawsuit a couple of days before the date.
So the constant harassment, threats and stressors of being in over your head, is a kind of debtor's prison.
Want to stop calls to your work, at home, on your cell and even to your relatives and coworkers? Send them one registered letter telling them to stop calling you. Instantly gone. Why?
Because every single call they make to you about this debt after that one letter means they owe you $1,000 in statutory damages. When you sue them they even have to pay your attorney's fees so there are a million attorneys willing to take these cases for contingency!
Here's a quick write-up of what you can do for the harassment you described:
Frankly, if you've been living in a "debtor's prison" like you've described, I'm assuming you haven't lifted a single finger to get out of it because this information is widely known in the U.S.
Did you even read my post? I mentioned the FDCPA. I'm very well aware of what my rights are under it. Most of the companies I dealt with didn't give a shit about it and simply passed my debts along to different companies who each got to take a whoops and pass it on again..
