My husband lost his job last year. He had one year of unemployment, and he still has been unable to find anything. We are having to let our vehicle go back. We just have to have other transportation first. This is our only vehicle and we have young children and ther is no public transportation where we live.

The problem we have is the creditor has become very harrassing. Just today, they have called 4 times already, and the calls started befroe 9 AM. They have called us on Sundays during our church services, they have lied to us and left threatening messages on our voice mails. They have also denied a cash payment that was already in their account. They came in a repo truck the other day and we weren’t home. They went to our neighbor’s house and started asking about us. Since the truck was clearly marked as a repo truck, I feel like this broke the law since creditors cannot legally tell others that they are owed money. It is considered public humiliation. The vehicle can go back. That doesn’t bother me. I just need a little time to get things in order first. But the harrassment and humiliation has got to stop. Any advice?