agency calling you up or knocking on the door or doing both again and again and again, attorney heather hansentheir rights, attorney randy zellin disagrees, they're going too far. heather, what do you think? >> listen, certain things the companies can't do. they can't tell your friends and family they're in debt. they can't call you at work if you told them not to. they can't threaten or harass you with physical harm. they are entitled to get money they are owed. neil: the last caller made clear she is going to all but show up. >> that was probably going beyond the bounds of what is acceptable, and they will probably face litigation, but the reality is these people -- neil: can they curse? are they allowed to curse? >> that's -- there's no specific law with regard to cursing, it would fit into the idea of harassment which is against the law, and can you pursue those types of cases. neil: you in other words, suggest, for the most part, they're going to try to get their money, right? >> right. i think they are. neil: randy? >> harassment, being degrading, humiliating, that's what we have a court