If you are being hounded by a debt collector, it may feel like there's nothing to be happy about. But if a creditor is pestering you to repay a debt that is beyond its statute of limitations, you may have reason to be happy after all.
As the years pass and technology develops, so does more and more opportunities for debt collectors to harass debtors. Gone are the days of debt collectors solely knocking at your door and calling your landline phone. Now, they are using text messaging, email and social media in addition to their old-fashioned techniques. This leads to debt collectors easily stepping out of their bounds in some of the various ways: