If you use your credit card to purchase items online or in person in a New York department store and never make an effort to satisfy your debt, collections agencies have the right to contact you to attempt to secure payment. However, just because you have an existing balance on one or more credit cards does not mean people can hound you with phone calls and use aggressive, harassing tones to pressure you into taking some type of action.
There are also scammers out there, so the mere fact that someone on the other end of your phone line claims to be a creditor who is trying to collect a debt doesn't mean it's genuine. There are certain steps you can take to get a better feel for whether you think you are dealing with a valid phone call or someone who is harassing you. Knowing your rights and where to turn to for help to address relentless creditor issues are the first steps in the right direction.