Laws were created in the U.S. Bankruptcy Code specifically setting boundaries for Creditors to follow.  You no longer need to feel that you deserve creditor abuse and harassment because you have fallen short of paying your debts. It is not OK to be called before 8am, it is not OK to be called after 9pm or to be embarrassed at work. 

Check out the following sections of the U.S. Bankruptcy code to understand your rights as they pertain to Creditors. These sections describe the legal limits creditors must obey.

TITLE 15 > CHAPTER 41 > SUBCHAPTER V-DEBT COLLECTION PRACTICES

• §1692. Congressional findings and declaration of purpose
• §1692a. Definitions
• §1692b. Acquisition of location information
• §1692c. Communication in connection with debt collection
• §1692d. Harassment or abuse
• §1692e. False or misleading representations
• §1692f. Unfair practices
• §1692g. Validation of debts
• §1692h. Multiple debts
• §1692i. Legal actions by debt collectors
• §1692j. Furnishing certain deceptive forms
• §1692k. Civil liability
• §1692l. Administrative enforcement
• §1692m. Reports to Congress by the Commission; views of other Federal agencies
• §1692n. Relation to State laws
• §1692o. Exemption for State regulation
• §1692p. Exception for certain bad check enforcement programs operated by private entities

  A complete listing of the bankruptcy code is available free at 

CORNELL UNIVERSITY LAW SCHOOL