Financial Recovery Services must follow federal laws when collecting a debt, and any harassment is illegal. Repeated or excessive calls—especially several times a day or at inconvenient hours—may violate the FDCPA. They cannot threaten lawsuits, wage garnishment, or arrest unless they truly intend and are legally allowed to take such actions. You are entitled to a written validation notice within five days; if you never received one, your rights may have been violated. Calling your workplace after being told not to is unlawful. Discussing your debt with others or using abusive or threatening language is strictly prohibited.
✅ Take Action Now—Your Rights Matter. https://protectionforconsumers.com/end-financial-recovery-services-debt-harassment/
