Harassing collection practices are illegal, and you don’t have to tolerate them. Excessive phone calls, especially multiple times a day or at unreasonable hours, may violate federal law. Debt collectors cannot make false threats of legal action, wage garnishment, or arrest. You must receive a written debt validation notice within five days of initial contact—if not, your rights may have been breached. Calling your workplace after you’ve requested they stop is unlawful, as is disclosing your debt to others. Any use of intimidation, abusive language, or threats also violates the FDCPA and may entitle you to financial damages.

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