I think the "do not call" thing only applies after a debt is turned over to a collection agent - that's when the Fair Debt Collection Practices Act kicks in. As long as it's the creditor themselves calling from in-house they can get by with a lot. On bad days I pick up the phone and chew some butt since I've told them all before - I ask them to go back and read their notes they should have for the past 3 months at least....anyhow, as soon as the FDCPA kicks in, they will get a letter. They already have emails and phone notes. I even had one hang up on me - I consider that to be an accomplishment!