Capital One's new contract says it can show up at cardholders' homes, workplaces

[mbperrin]

80. In Texas, they cannot misidentify themselves on the phone or call too often:

State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to:

threaten violence or other criminal acts;
use profane or obscene language;
falsely accuse the consumer of fraud or other crimes;
threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings;
use the telephone to harass debtors by calling anonymously or making repeated or continuous calls;
make collect telephone calls without disclosing the true name of the caller before the charges are accepted.

https://www.texasattorneygeneral.gov/consumer/debt_collection.shtml

This is just one fine reason I have no credit cards and I teach my economics students they don't need one, either. Ever.