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Collection agencies and attorney acting as collectors are subject to the Fair Debt Collection Practices Act. You can print yourself a copy by following links at www.ftc.gov

You may also have additional state laws and requirements which offer protection.

"Harassment" is a subjective term. Your husbands' disability is not at issue. It is always a good idea to know and enforce your rights. But there is nothing inherently wrong with a collector attempting to collect an unpaid debt. Your inability to pay does not alleviate liability for unpaid debts, nor does it equal harassment during attempts to collect.

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Q: How do you deal with a collector or lawyer who continues to harass your disabled husband for a debt he cannot repay?
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