(((((((((hugs))))))))) 1st off but yes it is legal
all states have different laws but in a nutshell,
you will try to be contacted X amt of times over X amt of mos.
once that has been established & most Co.s take action such as you mentioned.
It's usually mentioned in the fine print of the Disclosure statements you signed...
Collection Co.s been doing this for so long.
It's looked upon as a consumer signed an agreement to repay a debt & if not.. it will be collected upon anyway possible..
any acct that you are a signer on is liable for freezing.
I have been in your shoes several times & its very scary.
I also worked for Financial institutions for yrs.
many folks will have to file Bankruptcy when this occurs.
When was the last time you talked to any of these Co.s?
I so feel for you.. I had a Discover card bill go crazy over a
$5.00 over limit that became $1000 over limit less than a year due to late charges & overlimit fees....
they were going to put a lien on my home, garnish my pay & tax returns.
It sucks I know but they get you in the fine print
(((hugs))) hope you get some answers soon