Legal Question in Credit and Debt Law in Georgia

There is nothing generally wrong with another collector (or lawyer) attempting to collect. As far as "harassment," many people consider it harassment when they have failed to pay their debts so long that a creditor has to hire a lawyer or collector. There is an easy way to stop it, or to keep it from happening in the first place.

As far as calling others, that may or may not be OK depending on what the collector said.

First, while I am very sympathetic to debtors, you are not being "harassed." The creditor has a legal right to collect the debt, provided that the statute of limitations has not expired or there are not other grounds barring collection of the debt. So yes, it possibly is legal for another law firm to contact you, depending on the facts.

That said, the debt collector (or law firm masquerading as one) does not have a right to speak with your neighbors or employer about this debt and this is a violation of federal debt collection law.

I am curious, was the first lawsuit dismissed "with prejudice" or "without prejudice"? It is important. Dismissal of a lawsuit "with prejudice" means that there is no way that anyone can sue you in regard to the prior debt. If the suit was dismissed "without prejudice" it means that a new legal action can be instituted. If you are in Georgia, this can only be done by a Georgia-licensed attorney.

I do not know any of the details which I would need to give you better advice. Please feel free to contact me via email for a free consult.

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You didn't tell us whether the case was dismissed with or without prejudice. That affects your rights now.

Some of what you said may be improper and can be stopped with a lawyer.

Feel free to contact me in follow up.