No, you're wrong. Harrassment by a bill collector is illegal.
http://www.ftc.gov/bcp/edu/pubs/cons...dit/cre18.shtm
If she sends you a written letter, you can no longer contact her. In addition, you are NOT allowed to discuss debts with anyone(other than her, her spouse or her lawyer).
You are also required to send her a written letter describing the alledged debt within 5 days of contact.
If you want to get all legal on what is or is not the law. That's the laws.
