Does anyone else freak out when you get a phone call and the caller ID says, "Card Services"?

[dixiegrrrrl]

3. Play your cards right ( no pun intended) and you can sue them.

There are rules about what debt collectors can and cannot do.
These guys usually break them.
You can document the calls, date/time/person and if they violate the rules ( times when they can call, who they call, etc)
you can file for money in small claims court.

If they are debt collectors and NOT the original credit card company, it means they bought the debt for pennies on the dollar.
They have to play by the rules.
Those rules were passed thanks to Elizabeth Warren, btw.
Look the rules up online, keep a copy, and during any calls, pepper THEM with questions about who is calling, what their name is, company name.
The rules say if you request it, they have to stop calling you, and only contact you by mail...

get tough, stand up to them. They are playing on your fear and insecurity, but YOU have the power to take control.