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https://stopcollections.org/faq/sue-collection-agency-calling-odd-hours
You can tell the collection agency not to call during specific hours that are inconvenient, and they are supposed to abide by your request. You can sue a collection agency for calling outside the allowable hours since they would be violating the federal laws that apply to the communication tactics of collecting a debt.
https://www.thebalance.com/when-can-debt-collectors-call-960573
Collectors Can Call Only Between Certain Hours. Debt collectors aren't allowed to call you early in the morning or late at night. The law specifically states they can only call you between 8 a.m. and 9 p.m., your local time. Calling you at any other time is a violation of the FDPCA. If you'd prefer a debt collector to call you outside these ...
https://www.consumer.ftc.gov/articles/debt-collection-faqs
The collector can’t sue you, but can keep contacting you unless you send a letter by mail telling the collector to stop contacting you. Make a partial payment. In some states, if you pay any amount on a time-barred debt, or even promise to pay, the debt is “revived.” That means the clock resets, and a new statute of limitations begins.
https://www.credit.com/blog/12-times-you-can-sue-a-debt-collector-119419/
Here are 12 times when consumers can sue. 1. Calling Early & Calling Late A debt collector may not call you before 8 a.m. or after 9 p.m. The time frame may sound arbitrary, but think about it: This is when you’re away from work, at home with family, or resting in bed.
https://www.daytonbankruptcylawfirm.com/bankruptcy-stops-ohio-creditors-collectors/
Collectors would call at all hours of the day and night and threaten to sue you, to have you jailed, and some would even threaten to cause you physical harm. In 1977, Congress enacted a law to protect debtors from these abusive debt collection tactics.
https://www.fieldmuseum.org/blog/sue-t-rex
SUE finally made a dramatic debut in Stanley Field Hall on May 17, 2000, but there was a lot of work to be done to get the skeleton there. After SUE was purchased at auction, 12 museum preparators spent more than 30,000 hours preparing the skeleton (plus another 20,000 hours building the exhibit).
https://occc.texas.gov/consumers/debt-collection-practices
Debt Collection Practices The OCCC frequently receives questions and complaints from consumers about the negative debt collection practices they experience. Examples of unlawful creditor behavior include excessive amounts of telephone calls to debtors, misrepresentation of the facts to third parties, threats of arrest, and illegal repossession.
https://www.texasattorneygeneral.gov/consumer-protection/financial-and-insurance-scams/debt-collection-and-relief/your-debt-collection-rights
You may owe a debt, but you still have rights. And debt collectors have to obey the law. If You Owe Money Creditors don't want to bring in a debt collection agency. But if it looks like you won't pay, they will. The creditor will sell your debt to a collection agency for less than face value, and the collection agency will then try to collect the full debt from you.
https://lemberglaw.com/lcs-financial-services-collections-complaints-calls/
In January 2019, a complainant stated that LCS had contacted him about a $33,000 loan repayment. The complainant stated that the loan had not been repaid in over 10 years, and that now LCS Financial Services was calling to make an offer of settlement for $8,000. The complainant stated he had tried to contact LCS to discuss the settlement further.
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