Many consumers don’t realize that bill collectors must follow strict federal laws. If a collection agency is calling you repeatedly throughout the day or during early morning or late-night hours, this could be harassment under the FDCPA. Collectors are also forbidden from making false threats, such as claiming you will be arrested or that your wages will be garnished without legal aut... https://protectionforconsumers.com/bill-collector-harassment-understanding-your-rights-taking-action/