Emerge Mastercard call my home everyday Columbus Georgia

You can request in writing that the creditor quit harrassing you. Send it certified mail.

If you make this request they cannot call or contact you unless they are going to perform some form of action.

They won't and by law they don't have to. However, if you send a CERTIFIED, REGISTERED (so you have proof) letter to them stating they are to cease any and all communication with you they must stop calling and sending letters. They have 30 days to comply, after that, sue the bastards for violation of the FDCPA.

As a matter of fact I suggest you read up on the FDCPA and find out what your rights as a debtor are. Keep in mind that much of the FDCPA was written for THIRD PARTY collection agencies so much of it won't apply, however, even with a first party collection attempt such as you described you have every right to demand they stop contacting you immediately. But you must do it in writing.