Relevant sections

Below are the sections meant to protect the average individual from harassment but without the Federal Trade Commission, the Attorney General and/or the Department of licensing taking any action, what can you do?

Part of the issue is the weak law written by our idiot legislators in their attempt to protect debt collectors instead of innocent individuals; must be the result of massive lobbying efforts by the various debt collector trade associations. Without enforcement, the weak laws mean even less. The law has to be changed or the agencies tasked with civil rights must do their job. I don't see any of this happening.

§ 805. Communication in connection with debt collection - 15 USC 1692c
(a)     COMMUNICATION WITH THE CONSUMER GENER-
     ALLY. Without the prior consent of the consumer given
     directly to the debt collector or the express permission of
     a court of competent jurisdiction, a debt collector may not
     communicate with a consumer in connection with the col-
     lection of any debt—

(b)    COMMUNICATION WITH THIRD PARTIES. Except as
    provided in section 804, without the prior consent of the
    consumer given directly to the debt collector, or the ex-
    press permission of a court of competent jurisdiction, or as
    reasonably necessary to effectuate a postjudgment judicial
    remedy, a debt collector may not communicate, in connec-
    tion with the collection of any debt, with any person other
    than a consumer, his attorney, a consumer reporting agency
    if otherwise permitted by law, the creditor, the attorney of
    the creditor, or the attorney of the debt collector.



§ 804. Acquisition of location information - 15 USC 1692b
    Any debt collector communicating with any person other
than the consumer for the purpose of acquiring location infor-
mation about the consumer shall—
  (1)    identify himself, state that he is confirming or correct-
        ing location information concerning the consumer, and,
        only if expressly requested, identify his employer;
  (2)    not state that such consumer owes any debt;
  (3)    not communicate with any such person more than once
        unless requested to do so by such person or unless
        the debt collector reasonably believes that the earlier
        response of such person is erroneous or incomplete and
        that such person now has correct or complete location
        information;

§ 806. Harassment or abuse - 15 USC 1692d
    A debt collector may not engage in any conduct the natu-
ral consequence of which is to harass, oppress, or abuse any
person in connection with the collection of a debt. Without
limiting the general application of the foregoing, the following
conduct is a violation of this section:

(5)     Causing a telephone to ring or engaging any person
     in telephone conversation repeatedly or continuously
     with intent to annoy, abuse, or harass any person at the
     called number.

and;

§ 808. Unfair practices
    A debt collector may not use unfair or unconscionable
means to collect or attempt to collect any debt. Without limit-
ing the general application of the foregoing, the following
conduct is a violation of this section:

(5)     Causing charges to be made to any person for com-
     munications by concealment of the true propose of
     the communication. Such charges include, but are not
     limited to, collect telephone calls and telegram fees.

§ 809. Validation of debts - 15 USC 1692g
(a)     Within five days after the initial communication with a
     consumer in connection with the collection of any debt,
     a debt collector shall, unless the following information is
     contained in the initial communication or the consumer has
     paid the debt, send the consumer a written notice contain-
     ing—
  (1)     the amount of the debt;
  (2)     the name of the creditor to whom the debt is owed;
  (3)     a statement that unless the consumer, within thirty days
         after receipt of the notice, disputes the validity of the
         debt, or any portion thereof, the debt will be assumed
         to be valid by the debt collector;
  (4)     a statement that if the consumer notifies the debt col-
         lector in writing within the thirty-day period that the
         debt, or any portion thereof, is disputed, the debt col-
         lector will obtain verification of the debt or a copy of
         a judgment against the consumer and a copy of such
         verification or judgment will be mailed to the consumer
         by the debt collector; and



Finally;

§ 813. Civil liability - 15 USC 1692k
(a)     Except as otherwise provided by this section, any debt col-
     lector who fails to comply with any provision of this title
     with respect to any person is liable to such person in an
     amount equal to the sum of—

(1)     any actual damage sustained by such person as a result
     of such failure;
(2)     (A) in the case of any action by an individual, such
     additional damages as the court may allow, but not
     exceeding $1,000; or
      B)    in the case of a class action,
         (i)     such amount for each named plaintiff as could
               be recovered under subparagraph (A), and
         (ii)     such amount as the court may allow for all
               other class members, without regard to a mini-
               mum individual recovery, not to exceed the
               lesser of $500,000 or 1 per centum of the net
               worth of the debt collector; and
(3)     in the case of any successful action to enforce the
     foregoing liability, the costs of the action, together with
     a reasonable attorney’s fee as determined by the court.
     On a finding by the court that an action under this
     section was brought in bad faith and for the purpose
     of harassment, the court may award to the defendant
     attorney’s fees reasonable in relation to the work ex-
     pended and costs.