The FDCPA only covers collection agencies. Thankfully here in Iowa we have a statute that covers the original creditors involved in unfair debt collection. Many creditors think they can harass you because they know they are not covered by the FDCPA. Many taken the time to look at Iowa law.
Under the Iowa Consumer Code creditors are in violation if they:
*Tell someone else about your debt (family member, roommate, neighbor, co-worker, boss etc,)
*Call you at times you have told them are inconvenient. So if you tell them evenings after 5pm are inconvenient, they can only call before 5.
*Call you repeatedly throughout the day to harass you.
*Call you at work if you have told them it is inconvenient to call you there.
The credit card companies will not spare you in case you forget the payment dates. Instantly they will report the same to the credit bureau and this will bring pinch to your financial situation. One way to get rid of the problem is consolidate all your debts with very low interest rates and make the payments in time.
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