Dealing with hostile Creditors or Collection Agencies

  Communicate with the attorney and not the individual once an attorney has been retained unless the attorney fails to respond to the debt collector within a reasonable time.

Communicating with the consumer
A debt collector can not communicate with a consumer (consumer here includes a spouse, parent if a minor, guardian, executor or administrator)

  Before 8 a.m. or after 9 p.m.
  Communicate with the consumer when an attorney has been retained.
  Call the consumer at his/her place of employment
  Communicate with third parties expect to ascertain a consumers location and must abide by the practices described under "acquiring location information"
  If a consumer has in writing informed the debt collector that he/she refuses to pay the debt or wants the debt collector to stop communication.

Harassment or abuse
A debt collector can not

  Use or threat to use violence or other criminal means against the person, reputation or property.
  Use any obscene or profane or abusive language
  Advertise in any way a consumer's debt
  Call with the attention of annoying, abusing or harassing.