Before I filed for bankruptcy, I was being harrassed by creditors like you wouldn't believe. Creditor harrassment is very real. There are laws governing the debt collecting process, especially in California and creditors break them all the time.
I am going to get into the FDCPA (Fair Debt Collection Practices Act) eventually but in the meantime, you can read what one California lawyer has to say about Creditor Harrassment.
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