Can you sue a credit card company for excessively calling you?

The card company can call you as many times as they see fit - once a day - in order to get you to honour your debt ! If you simply refuse to co-operate and come to an agreement, they can (and will) simply take you to court to recover the debt ! That will result in you paying much more - because you will have to pay legal fees for not only your own defence - but their legal fees too, if you lose the case !

When you applied for the card - you entered into a legally binding contract with the card company - to repay any debt accrued on the card. The company has the right to recover their money from

you - if that means calling you every day until you decide to co-operate with them - so be it !

Addendum:According to the federal Fair Debt Collections Practices Act and Graham-Leach-Bliley (the two Federal Laws that govern and regulate collections), a creditor or collector may contact you once per day unless you give them permission to follow up with a second or third telephone call. While there is no specific limit on the number of messages that may be left per day, the courts in the past have used the "one call per day" protocol, taking a dim view on agents who leave more than two messages twice to three times a week.

Under FDCPA, agencies who violate the Act can be sued for $50,000 each in court costs and legal fees, and unlimited punitive damages. GLB allows similar against the actual agent(s) who call.

If a creditor or its agents are abusing their power, you are required to notify them of such. Ask to speak to the office or department manager. Detail to that person the violation. Note the names, titles, dates, and times you spoke to all. Finally, follow up with a letter explaining the violations, requesting that all future contact be conducted via mail only. Explain that any future violation will motivate you to secure legal councel, and to file suit against the company, every individual with whom you spoke, the CEO and president of the board of directors (these are available on line). Mail the letter to the CEO, registeed, restricted delivery, return receipt. Keep a copy of all notes, letters, and all recorded messages.

If they call again for any reason other than to communicate changes in the status of the account, follow through.