Reply #3: She should sue Bank of America -- TREBLE DAMAGES! [View All]

[no_hypocrisy]

The Fair Debt Collection Practices Act (federal regulation)

What Collectors Cannot Do
Say they are representing an attorney.
Tell you that legal action will be filed against you.
Call before 8:00 AM and after 9:00 PM in the time zone where the debt is located. In other words, if you have given your mobile/cell phone number and happen to be traveling outside of your time zone, the time zone where you live – not where you are – must meet these time restrictions.
Use obscene language and/or shout at you.
Call repeatedly to annoy or harass you.
Talk about your debt with anyone (such as a relative).
Inaccurately tell you the amount you owe.
Call you at work if you inform them that your employer does not allow you to take such calls.

http://www.leavedebtbehind.com/debt/debt-collection/debt-collection-federal-rules/