Is it considered harassment if Citibank calls 10-20 times a day and on weekends regarding your 20-year-old who incurred debt while not living at home even though she's at home now?

Answer 1

Unfortunately, no (not in legal terms anyway). Creditors will call all day in order to get their money. She needs to be responsible and make a payment. Keeping the account active and working it out with the creditors will stop the calls. * Although the FDCPA does not specify the exact terms of what can be constituted as harassment, the extent noted by the questioner would be considered as such. The debtor has the legal option of informing the creditor/collector by written correspondence that she wishes to cease all contact with them. Once the calling party receives the correspondence they must stop calling or contacting the debtor except for informing the debtor that "cure and remand" procedures are being implemented or other changes to the account has occurred. There is no law that says a debtor or any member of the household must accept the calls or speak to a collector or creditor who calls. The owner of the home also has the option of filing a complaint with the justice division of their state's attorney general.