It sounds like you possibly have a claim for a violation under the the Fair Debt Collection Practices Act. The Act was created to protect consumers from abuses in debt collection.
Here is a link to the act that you will want to check out the statute: http://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text
You can instruct a debt collector to make all inquiries about the debt through your attorney. Once the debt collector has been instructed to make inquiries through your attorney, they should no longer make any direct contact with you.
For example, there are violations that relate to calls that are made without your consent to your employment, cell phone or residence. Such violations typically provide for $1000 paid to you for each violation plus attorneys fees.
We would require more detailed information to evaluate the potential claims that are available to you.
Answered on Mar 22nd, 2014 at 5:11 PM