However, to the real issue: Providian & ITC and Chase Manhatten. I received a voice mail message from ITC telling me they would call all my neighbors about this debt with Providian if I did not return their call by 9PM last night. Since I did not get the message til this morning, I guess they'll be calling my friends and neighbors. Since I live in a rural area this does not really concern me because I have very few neighbors. But I think if they actually call them, this is a violation once they mention it's for a debt? Also is ITC just an internal branch of Providian or an actual CA? (I'm trying to decide what letters to send) The other issue is Chase Manhatten. They have called my parents numerous times and told them my SS#, my address and that I owe them money as well as various other personal info about me and my family. I think these are violations but not real sure. Can someone assist? I can not believe the tactics these idiots resort to. (Again trying to decide what letters to send or if I should just sue) Can't wait to tell y'all when my settlement goes thru with the big bank OC!!! These people are so entertaining! One last question, does an OC have to abide by a c&d letter? Thanks for all of y'alls help!!!!