What are my options?

[JunoCozmos]

I have a debt with a creditor that equals about 12,000. In October I was contacted by the creditor and offered a program to help "Re-age" the account, they took 3 payments directly out of my checking account and told me that once the three payments were made the account would become current. After the payments were made, I was told the account would not become current due to the non payment. I had never recieved any billing statement for 2 months after the alleged "re-aging" of the account specifying the completion of the program or the amount now owed after. Again in January I was contacted by a third party collector and offered another re-aging program. I was told this third party was working on behalf of the original creditor. I was asked to make the same type of monthly payments for 3 months to "re-age" the account. I agreed and set up payment arrangements with the collector. For the duration of this program I recieved phone calls from the creditor several times a day denying I was ever on a re-aging program. Several attempt were made by myself to contact the third party collector I had made arrangements with , but ever phone number the creditor gave me for the company either was another number of the creditors or a different business all together (wrong number so to speak).
After going through 5 different people in the phone on 3/8 I was told by a man in the creditors account charge off deparment to obtain credit counseling, becuase yet again the account would not be re-aged no matter how many more payments I allowed them to take from my account.
Now I am in the midst of credit counseling and the counselers have sent the proposal to the creditor for the payment. I am still called 3 - 4 times a day from the creditor to collect this debt. I am told by the creditor that they will not accept the proposal from the counselers due to non payment in both re-aging programs.
Can anyone tell me if this whole thing is lawful? This particular creditor is currently invoved in class action lawsuits from consumers. Does the creditors calls qualify as harassment?
I feel as though I am doing all I can.

 

[JETX]

I know this is too late, but a BIG mistake in not getting any of these 're-aging' offers in writing. The least you could have done was have them FAX an offer to you.

In any case:
Q1) "Can anyone tell me if this whole thing is lawful?"
A1) Since all your references are to the original creditor, it doesn't sound like they executed any illegal activities. The creditor is exempt from the FDCPA.

Q2) "Does the creditors calls qualify as harassment?"
A2) No.