Your creditor can request payment from you and eventually sue you if you are unable to comply with your contract. Though they can request you to honor the debt, they cannot illegally harass you for payment. It is against the law for a creditor or collection agency to contact your employer before getting a court judgment, to contact people outside your family about the debts, to threaten you with going to jail, to unnecessarily harass or abuse you or your family about the debts. If this law is violated, you may sue them for collection abuse.
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