K
karen harpin
Guest
I LIVE IN MASSACHUSETTS AND AM INVOLVED IN A A LAWSUIT FROM A CREDITOR. MY HUSBAND FELL ILL AND THE CC COMPANY SERVED ME WITH A SUIT DEMANDING PAYMENT IN FULL. PRIOR TO MY BEING SERVED, THIS CREDITOR HAD HARRASSED MY FAMILY BEYOND BELIEF. MY HUSBAND WAS VERY ILL AND I REQUESTED THAT THEY CEASE CALLING MY HOME. THEY SAID THEY WOULD CONTINUE TO CALL UNTIL THEY RECEIVED NOTIFICATION IN WRITING. I IMMEDIATELY PUT A LETTER TOGETHER DEMANDING THAT THE PHONE CALLS STOP. THEY BECAME WORSE AND MORE FREQUENT. IN TOTAL I SENT ABOUT A HALF DOZ LETTERS. THEY CLAIM TO BE EXEMPT FROM THE FDCPA. I HAVE FILED A COUNTERSUIT FOR HARRASSMENT AND NOW THEY WANT ME TO MAKE A SETTLEMENT OFFER. MY MAIN ? IS, IF THE FDCPA DOES NOT APPLY TO THEM, WHAT DOES? ARE THESE PEOPLE FREE TO CALL AND HARASS PEOPLE AND THERE IS NO CONSEQUENSE? I WOULD APPRECIATE ANY RESPONSE.