* Client says a creditor is unfairly trying to collect when the client has no money to pay a claim.


* Client says a creditor is persisting in contacting them even though the client disputes the debt.


== Summary of the law ==

[[File:Consumer_Law_and_Debt_-_Harassment.jpg|thumb|275px|right| link=| <span style="font-size:50%;">Image via www.istockphoto.com</span>]]