This agency has been calling me non-stop, sometimes multiple times a day, including early morning and late evening. They’ve threatened lawsuits and wage garnishment if I don’t pay immediately. I’m stressed out and not even sure the debt is fully correct because I never got anything in writing from them.
I know debt collectors have to follow rules, but this feels like harassment. I found this article explaining what they can’t legally do, which was helpful: https://protectionforconsumers.com/is-asap-processing-harassing-you-about-a-debt-know-your-rights/
Has anyone dealt with them before? What actually works to get them to back off or verify the debt? I’m thinking of sending a formal debt validation letter but worried it might make things worse. Any advice is appreciated.
I hope this helps you share your experience and get the support you need.