Who called from 3203100691

Collection calls at those hours are "an invasion" of nothing until you have given notice that certain hours are inconvenient.

Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Many are simple to exercise if you only learn how. You are granted control of how you are contacted, the right to dispute debt claims, and the means to sue violators at low cost. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... bt%20Collection

It's depressing enough to have lost a job and home and family ! Are Creditors really unaware of the suffering and unfortunate circumstances of  others?

They keep calling and it is harassment.  A lot of times when I pick up there is nobody on the other end

This is a scam, they sent me a text saying it was from directexpress and my card was inactive and needed to call them. All they wanted was my personal information and change my cards so they can access to it. Be careful cause from my understanding any debt collector or card holder would NOT be calling you from a local number. Only a scam does that. You should be getting a call from a 1 800 or 888 number if it was from your debt collector. this number is definitely a scam.