Is it the credit-card companies or collection agents? I think the law is different for the two types of collectors.
Nope, if thei're not cosigners on your account, then they shouldn't be bothered. According to federal laws, you can ask them to stop the harrasment... there is more info available on the net, just search a little bit.
Other than your spouse they are not allowed to discuss you account with anyone else. So tell them they are in violation of FDCPA laws. And they could be fined for each violation. If they continue keep records of all calls and file suit on them. I'm sure they will quit immediately.
