Federal Fair Debt Collection Practices Act

The first part of the Federal Fair Debt Collection Practices Act that 'Harass You Forever Collection Agency' violated was when they called repeatedly, between 10 pm and midnight. 805a(1) states that a debt collector may not communicate with a consumer in connection with the collection of a debt at any unusual time and place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, …

…asked them to stop calling and they didn't, this violates 805(c) Ceasing Communication-If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respects to such debt. All in all, there are definitely grounds for a lawsuit against Harass You Forever Collection Agency.