Walk It Through: The Old Card
No calls at unreasonable hours, no telling the employer, and six years on a contract.
A collector calls a school bus driver late at night about an old credit card balance and says not paying could mean arrest and criminal charges.
Two things a person in this spot might do. Picking one shows what the law says about it.
One card and one collector. Forms that look like court papers, the consumer protection remedy, and when a claim accrues are not worked through here.
A practice walkthrough, not a prediction of how any real one will go. Legal information, not legal advice.