I know the fdcra does not apply to original creditors, but there must be some kind of regulation on how many times they can call a day. The payment is due on the 23rd and if it isn't made that day, they start calling non-stop on the home phone and my wife's cell phone. They probably call both phones at least 10-15 times a day. In my opinion, that is harrassment. Is there anything that can be done to stop this non-sense. By the way, I will never have a laon thru them or recommend anyone take a loan from them. They are horrible and quite honest, the customer service sucks.