Oct 21, 2004 9) Debt collection agencies may NOT cause your telephone to ring and ring, or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Report violations from a debt collector to your state Attorney General's office to determine your rights.
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You may owe a debt, but you still have rights. And debt collectors have to obey the law. If You Owe MoneyCreditors don't want to bring in a debt collection agency. But if it looks like you won't pay, they will. The creditor will sell your debt to a collection agency for less than face value, and the collection agency will then try to collect the full debt from you.If you owe a debt, act quickly — preferably before it's sent to a collection agency. Contact your creditor, explain your situation and try to create a payment plan. Usually, creditors will help you catch up.
What Debt Collectors Can’t DoDebt collectors are regulated by the Texas Debt Collection Act.