Hi! LegalGems here. My goal: To Do My Best To Assist You. Please remember, I can only provide general information,as this is a public forum. Actually, the correct act would be the FDCPA, accessible here: http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm#813
You can file a Fair Debt Collection Practices Act Violation Complaint in the county in which you reside, as that is where the harassment occurs. Damages are actual damages. or $1,000. You can also lodge a complaint with the FTC
, and if they have enough complaints, they will file an action against the company.http://ftccomplaintassistant.gov/
As long as you have a log of the violations, that typically suffices. If someone else was in the room and could hear, based on the conversation from your end, that you were being harassed, this could be included in the declaration. However, if they were listening in, without the other party's knowledge, this could create additional problems - right of privacy issues.
If you send a cease and desist letter, detailing the prior violations, that could be very persuasive, particularly if they continue to violate the act post-letter. The letter should be sent certified mail, return receipt requested.