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Stop a debt collector’s empty threats

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Calls from debt collectors can add to the stress of having financial problems. When those calls involve harassment, threats and intimidation, the situation can get even worse — especially if you don’t know your rights.

The FTC enforces the Fair Debt Collection Practices Act (FDCPA) to protect consumers from deceptive, abusive, or unfair debt collection tactics. On June 23, 2014, the FTC filed a joint complaint with the State of New York against National Check Registry for violating the FDCPA by allegedly using outrageous and intimidating methods to get people to pay debts immediately — often debts that were in dispute.

Among the alleged tactics that National Check Registry used was telling people they had committed check fraud or another crime and threatening them with lawsuits, garnishments, arrest or imprisonment if they didn’t pay. The FTC and the State of New York alleged that National Check Registry routinely told people they had to pay within 12 or 24 hours to avoid having a local court system or law enforcement agency come after them. Frequently, the company would tell a person’s family, friends and coworkers that the person committed a crime or was involved in a legal proceeding.

 

In fact, these were empty threats. According to the complaint, National Check Registry has no authority to make arrests or seek other criminal punishments for failure to pay these debts.  

 

If you are facing debt collection, understand your rights. Under the FDCPA, debt collectors are not allowed to:

  • call you before 8 a.m. or after 9 p.m.
  • contact you at work if you’ve told them verbally or in writing that your employer doesn’t allow you to get such calls in the workplace
  • harass or abuse you or anyone else they contact about you
  • lie about the amount you owe
  • use deceptive methods to collect a debt from you. For example, they may not:
    • falsely claim to be law enforcement officers
    • claim that you’ll be arrested if you don’t pay your debt
    • threaten to seize, garnish, attach, or sell your property or your wages — unless they are permitted by law to do it and intend to do so
    • give false credit information about you to anyone, including a credit reporting company
    • use a fake company name

Collectors usually are prohibited from contacting third parties more than once. Other than to obtain location information about you, a debt collector generally is not allowed to discuss your debt with anyone other than you, your spouse or your attorney.

Be sure to file a complaint with the FTC if you think that a debt collector has violated your rights.

 

Tagged with: debt, debt collection
Blog Topics: 
Money & Credit

Comments

If you think you might owe money, get the debt collector's address. If you send a debt collector a written request, it has to give you a written verification of the debt.

If you don't owe a debt, read the article about Fake Debt Collectors provides tips to help you handle calls like the one you describe.

Also, a legitimate debt collector can't say that you will be arrested if you don’t pay your debt. Read this article about your Debt collection rights.

My mom and my sister received a call for me and they said that they sent me summons and refused to sign. But, my mom and sister never receive that and at the same time I didn't leave to my mom's house neither to my sister since 2006. Somebody called my cell and the number appeared was 0000. I know that I have some debt way back on 2007 because of the unsettled over charge. What do I need to do? Please advise. Thanks

You have rights. A debt collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

For more information, see Debt Collection and Fake Debt Collectors.

Hello I'm very nervous and scared I received a call from a gentleman in NY threatened me about a case against me I'm thinking it's an old pay day loan told me I needed to call him back or get an attorney then yesterday I received a call from a gentleman in Dallas TX stated he was an attorney and he was going to serve me if I didn't contact the collector at another number. Not sure what to do. Please advise.

If you think you really owe money, contact the company you owe. Ask them what their records say.

Or, get the debt collector's address and send the debt collector a written request. Tell him you want proof of what you owe. If you write to the debt colletor, he has to give you written verification of the debt.

If you really don't owe a debt, the callers could be fake debt collectors. They're trying to scare you and get your money.

The article about Fake Debt Collectors has ideas on how to handle this kind of call. The article about your Debt collection rights is useful too.

You can report a fake debt collector to your state and local consumer protection agencies.

I received 2 calls from 2 different numbers 844 276-6779 and 619 350-6714 from a foriegn sounding person stating I needed to pay $600. and that I have offical been noticed. Then they call my work and asked for my supervisor. I do not owe anyone any money and its embarrassing. Not really sure what to do. I check for court cases against me, and didnt find out which they say it will be an active court case. When I ask to be notified by mail they say they have. I havent received anything, cuz I dont owe anyone. It's frustrating.

I got the same number that called me too! and they said I owe 700 which I know for sure I didn't take any loans out. So I just blocked them.

My ex-wife has been sending debt collectors after me about her medical bills that are in her name that incurred while we were married. Our divorce papers stated that we both have to pay half of the amounts of both our debt as long as the divorce contract was honored by both parties it has not been honored on her side at all. She still claims to be my wife and is still incurring debt in my name. I'm taking care of that part. But the debt collectors calling me and harassing me about her bilks have threatened me with garnishment if I do not give them the money is there anything I can tell them to get then off my back?

You may want to talk to the lawyer who handled your divorce.

Will a litigation office contact you and when you call back they just say you will receive a court summons on tomorrow from the sheriff

If you have a debt and want to know about your rights, read this article about your Debt collection rights.

If a debt collector calls you, get the address and send them a written notice saying you want written proof of the debt. If you ask in writing, a legitimate debt collector has to give you written  verification of the debt.

If you think the caller was a fake debt collector who was trying to scare you and get money, read the article about Fake Debt Collectors.

I had a call from someone saying he was LaRoger Smith,from New York,that I owed money to them for a loan from US cash,he said its 875.00 and I needed to send it by green dot money card today,or I would go to Court, he called phone 50 times non stop and keeps calling my workplace,what should I do feeling scared I'll loose my job plz help!!!

If you really owe a debt, call the company you owe. Ask them about your account.

If you don't owe the debt, the caller is probably a fake. He's trying to scare you into sending money. It's against the law to threaten you to try and make you pay.

Tell the caller you want his name, company, street address and telephone number. Tell him you won't talk about any debt until he sends you a written "validation notice." Don't tell him any personal information like your address or bank or credit card numbers, and don't send him money. If you send a money card, he can take the money and you won't get it back.

Report the caller to the FTC at ftc.gov/complaint and to your state Attorney General.

I have been contacted by a collection agency 3rd party and was told i had a case against my ss and that i would have a case filed against in my county for bad check (online payday loan) and they would be sending a person to my address with a summons. I talked with a debt collector lawyer for my state. He looked at their website and looked that they are not licecsned in my state to collect. Can i rela lx and figure lawyer is right ant that this is a scam? The collection agency has address and phone numbers and always answer. I have debt consoldiation team help me and they said that the verification of debt was not right. The debt conslidation agency even told them that. They told me not to pay until i can verify it. Lawyer said dont answer their calls if served then call them.

I had a call today from an unknown number. My husband picked up the call asking for me in a rude tone. At first he said that the lady had an accent then later her accent became like an american accent. She says that she's calling from an attorney office and says that I owe money to this bank that I already paid off. And what even made me even more mad was that she says that I was using a fraud check. I know what I owe and I am not stupid to forget it. She says that they even have a Video recorder that I was using a fake check? hello. Its my own check that I own. Has my name on it, but yes I closed it way back then. And she says that its a felony when I am using my own check? I dont even use those checks anymore. I remember that I used my check for a payday loan but they always check if there was a balance or if it was still open. if there isn't a certain amount they wouldn't approve me for the loan or any type of loan whatsoever. At that time I lost my job and I had a difficulty maintaining my bills. So that was my mistake of going in there in the first place. Of course it denied so I left. I didn't know at the time they closed my account and I already paid off my amount from the bank and remained it closed. How is that a fraud? And now they filed a case against me when they didn't give me a validation of letter or any form of proof that what i did was wrong. Or whatever I owe at least give me a validation of it. I didn't recieve anything! I asked the lady what's her name and who was the collector of the debt and what not, she didn't give nothing. I just hung up. Darn payday loans..

I received a phone call last night from First Financial telling me that they were suing me for line of credit through HSBC for four hundred dollars. I was told if I do not pay within 24hrs that they would sue me. The supposed loan was from 2008. What should I do. PLEASE HELP!

Every legitimate debt collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. The notice must include the name of the creditor you owe the money to, and what to do if you don’t think you owe the money. You can request a validation notice about the debt. This FTC article tells more about Debt Collection.

Or, the caller might be a fake debt collector. Fake debt collectors will:

  • tell you to pay a debt you don't recognize
  • refuse to tell you their mailing address or phone number;
  • asks you for financial or sensitive information
  • try to scare you into paying by threatening to have you arrested or to report you to a law enforcement agency.

You have rights if a debt collector contacts you about an old debt. Debt collectors may not be able to sue you to collect old debts. State law determines how long a debt collector has to sue you. This FTC article tells more about Time barred debt. Ask  a legal aid lawyer or your State Attorney General's Office about the statute of limitations on debt in your state.

I received a call today from number 520-265-3930 a woman said someone had a complaint against me & used my ex last name. That I had to call this # 866-258-7403 today to avoid being taken to court & gave me a file #. I called & talked to a Frank Hutchens, Supervisor at LTS Collections LLC, LTS Groups. said I owe $660.73 to Stream Energy. I know this is an old bill my EX put in my name after we were Divorced,using my Social & name. I told him it was not my bill & explained it to him, he kept putting me on hold supposedly to talk to the Lawyers. He said they had spent to much money on this already & that if I didn't pay it would go to court & I would have to get A lawyer & the Judge would say I should have checked my credit report & disputed the charge so now I would have to pay Thousands plus all there court cost & attorney fees.I had no choice so he took my credit card info, had me sign an electronic agreement( on a side note my name did not sign & it sent a copy went to my email also). I believe now this is fraud & canceled my card. not sure which way is the right way I'm very nervous

If you think you have a debt, contact the company and ask about your account balance. If you have a debt, ask the company if they're using the debt collection firm that called you.  You could ask the company about making arrangements to pay the debt.

Sometimes fake debt collectors call people about debt that isn't theirs. A caller may be a fake debt collector if he:

  • wants you to pay a debt you do not recognize;
  • uses pressure and tries to scare you into paying, by threatening to have you arrested or reporting you to law enforcement
  • refuses to give you a mailing address or phone number
  • asks you for personal financial or sensitive information

This FTC article tells about your rights when you deal with debt collectors.

I had a collection company contact me today reguarding an old debt from dec 2008. I know this debt is scheduled to fall off my credit report dec. 21st of this month. They claimed that if I didn't pay it they would file a criminal complaint reguarding fraudulent use of a credit card. I had this card in good standing for two years and was laid off from my job and was unemployed for two and a half yrs. The collection company was made aware of this situation and stopped calling. Six years eleven months later they are now threatening a criminal complaint. What are my options?

If you have old debts, collectors may not be able to sue you to collect on them. That's because debt collectors have a limited number of years — known as the statute of limitations — to sue you to collect. The law in your state determines how long the statute of limitations lasts.

To find out the statute of limitations on different kinds of debts in your state, check with a legal aid lawyer, another attorney, or your State Attorney General's Office.

This FTC article about time barred debts has more information.

I received an income execution from a debt over 6 years old. I went to court and got all the papers on file and did an order to show cause and RJI which was granted and served papers on plaintiffs. A week later a received a letter from attorney of plaintiffs "affirmation" saying they will vacate the judgement but want an answer in 20 days. What do they want me to answer? I already stated everything in the order to show cause. I can't seem to find any information online, i thought the judge assigned to case would look at all the evidence and make a decision.

To get help with your legal questions, you could ask someone in the court clerk's office if they offer help, or contact a lawyer. You can contact a legal aid lawyer or use this state-by-state list from the American Bar Association to find a lawyer in your state. Or, visit this site from the State Bar Associations.

I received a call from DIVERSIFIED PROCESSING SOLUTIONS, INC., they claim i have a payday load debt from 2006 (i was not even 18 in 2006) and that if i did not pay it today they would send someone to my home tomorrow to arrest me for bank fraud. I have called the company that they claim i have the debt with to find that company is no longer doing business. I have filed a complaint with the ftc but i am so sick and tired of getting these calls.

I got a letter through my email from ACE Inc....stating they are filing charges with the FBI ETC...That i am going to be arrested for false information etc on a payday loan....

When I first realized that I got ahead of myself and took out to many loans...I contacted A Debt consiliation company....I gave the agent all the names and amounts that I owed....Ace Inc refused to accept the payments that my agent sent out to them...now I am getting threatening emails.....

CASE FILE #: 20152101-SI-WC-108 PRINCIPAL AMOUNT- $500.00 PENALTY & INTEREST AMOUNT – $670.50 TOTAL DUE BALANCE – 1170.50 NOTE- IF ONCE THE CASE GETS DOWNLOAD IN THE COURT THEN IT WILL ADD LATE PAYMENT FEES, DOCUMENTATION FEES PENALTY FEES, JUGDE FEES AND ATTORNEY CHARGES AND COURT HOUSE FEES WHICH MAY GO UP TO $4589.50 We are offering you the settlement amount of $450.20 if you can pay by today and your account will be considered as paid in full balance. If you would like to make a one-time final payment to settle your account we can waive all fees and freeze the existing cash advance thus taking your balance down from $1170.50 to $450.20 as a one-time final payment .

Now if you ignore this email then you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government. Your line of credit is over 60 days past due, but it is not too late to restore your good standing! We want to serve as your trusted financial resource in the future, but to do that; we’ll need to come to an agreement on the past-due balance. If you believe you are unable afford the payment options we have offered, contact us right away by phone or email and we will do our best.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE: (1) VIOLATION OF FEDERAL BANKING REGULATION (2) COLLATERAL CHECK FRAUD (3) THEFT BY DECEPTION (4) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at +1 682-651-5283.between 9:30 to 6:30 (EST). IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THROUGH EMAIL OR CALL US BETWEEN WORKING HOURS ON +1 682-651-5283. ATTORNEY OF UNITED STATES Copyright © 2006 ACE | Privacy | Terms of use ACE CASH SERVICES.

If you think the debt is paid, you can contact the company you worked with. Ask them for copies of your records. It's important to know if the debt is already paid off. If you don't have a debt, the letter might be from a fake debt collector who is trying to scare you into paying money you don't owe.

If you have a debt, the federal Fair Debt Collection Practices Act (FDCPA) gives you rights. The FDCPA says a debt collector can't use abusive, unfair, or deceptive practices to collect from you. A debt collector can't lie when it collects a debt, and can't use a fake company name.

The FDCPA requires a debt collector to send you written proof of the debt. That's called a 'validation notice.' You can contact the debt collector and tell them to send a validation notice.

If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

You won’t be arrested for owing money. But a company can sue you if they think you owe them money. If you get documents from a court, pay attention. You need legal advice.

Report any problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

I received a call from a private number. Left me only the name of Tracy. No business name. Said I was being served papers on Friday between 2 and 5 and to have an identification, witness or supervisor abailable. They said they WOULD locate me at work or home. The number to call was 8557648971. I googled the number but cannot find any info?? I am NOT calling back because I don't have a name or reason for the call!

Beth, I received a very similar call today. Did they ever show up or call back?

I got the same call saying the same info. They didn't show up tiday, despite 3 messages saying they would show up. Phone number was restricted and they never said we hat the debt was for, just that they had my ss# and wanted photo I'd ehen they came

Around February 2013 I went to Cashnetusa.com and got a loan for 3,000 dollars and they would take out money for the payments. Unfortunately, I was wrongfully terminated in April 2013 and made my last payment in May 2013. I called the company and told them I was wrongfully terminated and that I was looking for a job. However, they wanted to make a payment arrangement and I told them I am not sure if I can pay you guys anymore. I did not get a job at all and stopped paying on May 2013. In 2014 over seven months I still had no job and couldn't do much to pay bills. So, finally in late 2015 I decided to file bankruptcy. Now in 2016, the bill collector is calling my family members recently and I do not know where they are getting their numbers. My sister called my dad and told him. My dad called the number and the person he talked to said that I was going to get a summons and the police officer will be there. No one showed up on the selected day. So, the bill collector called again and said that I need to call before Tuesday otherwise, Cashnetusa.com will file the suit on January 12 of 2016. I talked to the bill collector and he said that they are filing suit for check fraud and malicious attempt of defraud. The bill collector said I promised to pay them all back and I said I did not. I told him that I was going through bankruptcy and that he said it did not matter. Can they do that? Is there a way to avoid paying them? I am tiring of fighting them so I end up doing a payment arrangement. I was scared when they said I was going to get a summons and police officer will be there. It stressed me out. Please help!

This FTC article tells about the Fair Debt Collection Practices Act (FDCPA) and your rights under the law. Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. The notice must include the name of the creditor who you owe money to and what to do if you don’t think you owe the money.

If you think the caller might be a fake debt collector, you can take steps to verify that the debt collector is legitimate.

Read about the steps you must go through before you can file for bankruptcy. If you plan to file for bankruptcy protection, you must get credit counseling from a government-approved organization within 180 days before you file.

In April 2015, I had DISH Network install their service in my home, which was a new subdivision. Within 15 minutes of them supposedly completing the the installation, my service cut out. Three times they sent a tech, but neither one of them could fix the problem; they even tried replacing the equipment. The last tech, who DISH promised was one of their most experienced and capable, actually told me that there was nothing they could do to fix this. He said the company should have never installed service where there was still no Internet capability; the "box" needed this in order to update itself. He said he was not going to change the box again because that would not fix the problem. After my family had suffered 3 weeks without entertainment, I told DISH that I had given them ample time and opportunity (I had to allocate an entire day on the day of their scheduled visits) to get his right and it was affecting my family's morale. They asked me for a contract cancellation fee of $459 and I told them that they could not benefit from their inability to provide the service that we had agreed upon-- no way I was going to give them that. I switched to AT&T and had no problems whatsoever.
On December 20, 2015, a collection agency called GC Services out of Houston, TX sent me a letter stating that they were going to report me to the 3 major credit reporting agencies unless I resolve my account by sending DISH the $459.54 by 19 January.
DISH was unable to fulfill their end of the contract. Their technicians could not provide me broadcast services and they were content with just keeping me on until such time as Internet connectivity was available in my area that would facilitate the operation of their equipment. How can I prevent these folks from using the credit reporting agencies to extort money from me for a service that they never provided?

The FTC’ s Debt Collection article has information about your rights when dealing with a debt collector. The article explains some things a debt collector may - and may not - do. For example, if you ask a debt collector in writing, he has has to give you written verification of the debt.

If you think the caller might not be a legitimate collector, the article Fake Debt Collectors provides tips to help you handle the call.

If you have problems with a debt collector, you can report it to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

Received a robo call from a local phone number saying there were two complaints filed against abusive husband who abandoned me over 20 years ago. Gave case number & number to call back. Received another call today from someone in New Jersey saying the same thing. Didn't leave a name or company name, just a case number. She stated that they must hear from him or me by 5pm or they will "file necessary paperwork". Sounds like a scam as she never referenced what the complaint was or what the "necessary paperwork" is. I blocked both numbers & did not answer either call. My home number is unlisted & I don't give my cell number out to anyone I don't know

Sorry, correction: the woman who called this morning (7:11 am local time) was from Charlotte, NC

I keep getting emails telling me to send money for a old debit for a payday loan telling me to send it western union and they wont except it any other way. What do I do is this for real?

If you think you have a debt, contact the lender. Ask them if you still owe money on your account. If you still owe money, ask them about making payment. You can also ask the lender if it is working with any collection agencies.

Many people who once had payday loans have been getting calls from fake debt collectors. Sometimes the fake debt collectors have a lot of personal information. The fake collectors might threaten people with jail, or legal action, or say they're going to show up at people's houses.

If a debt collector is legitimate, it has to send you written proof of the debt if you ask. This FTC article about Fake Debt Collectors has tips about these kind of calls.

Don't use a wire transfer to send money to someone you don't know.

This also is from over 7 yrs ago and the only way they communicate with me is email and no company name only the person's name.

I have been getting phone calls about a payday loan. The person who calls says they are a currier and want to serve me papers. They tell me they will be at my house, they never show up. This same company I am thinking is also trying to say they are an arbitrator and want to find out if I committed fraud. Is this just games?

I have 2 car loans with 5th3rd bank.Every time I am 10 or 20 days they start calling after the 10th day.I always make the payment with the late fee included.I never been over 26 days past the due date.Wouldnt that be harassment? Please tell me my rights in this situation. What do I need to tell them?

You have rights when you deal with debt collectors. A debt collector is someone who regularly collects debts owed to others. A debt collector could be a collection agency, a lawyer who collect debts on a regular basis, or a company that buys buy delinquent debts and tries to collect them. 

If you owe money to a business, and the business calls you itself, it may not be considered a debt collector. You could look at your loan contract. See if it tells you what happens if you are late with payments.

If you think the lender is not complying with the loan documents, you could report it to the Federal Trade Commission,  your state Attorney General’s office and the Consumer Financial Protection Bureau

Thank you

I have a question a gotten a really hateful call from my ex mother in-law stating that they called her and My ex and that a bill collector tried calling them and said I used there name on something which I never did, I have nothing to do with these people, so how can Bill collector call them, and knowing I never used there name as a reference or anything like that! Is that legal for them to call other people in your past like that

If you owe a debt and you don't have a lawyer, a legitimate debt collector is allowed to contact other people, but only to find out your address, home phone number and where you work. A debt collector is usually not allowed to contact a third party more than once. A legitimate debt collector is usually not allowed discuss your debt with anyone other than you, your spouse or your lawyer.

It's possible that the person who called was a fake debt collector. Fake debt collectors might have a lot of personal information about you and people in your past, and they might make calls to try and get you to send money. This FTC article about fake debt collectors tells you how to deal with calls like that.

I got a message saying that they are going to garnish my wages for a debt that I owe. I have no idea who they are or what I owe if anything. Should I call them back or be worried about anything??

The FTC issued a blog post on this very topic not too long ago. Please see Don’t recognize that debt? Here’s what to do.

I just got a email saying that they could get me laid off and blacklisted from getting any other job and that any child support,disabilty,would either be placed on hold or would be stopped until the outcome of the case

My brother received a call yesterday stating that there was going to be a summons sent out for me if I did not call them to make arrangements. When I called the number that was left on my phone the woman answered the phone saying she was with a law firm gave me my debt balance and then supposedly put me on hold to go speak with her supervisor to see if she can offer me a settlement amount

after everything was said and done they emailed a settlement letter stating I agreed to some terms but when I try to respond to the email it comes back undeliverable and the phone number says a its out of service and the other number just rings I honestly was suckered once with those scare tactics for the same account I made payments then all of the sudden the phone number stopped working and I was unable to reach anyone .The account is over 6 years old what should I do?

Within five days after they first contact you, a legitimate debt collector must send you a written “validation notice” telling you how much money you owe. This notice must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

If you get more calls or emails, you can tell the debt collector to send you a validation notice. This FTC article tells more about your rights when it comes to debt collection.

Scammers have been calling people and pretending to be debt collectors. A fake collector may have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

  • wants you to pay a debt you do not recognize
  • refuses to give you a mailing address or phone number;
  • asks you for personal financial or sensitive information
  • tries to pressure you into paying, threatens to have you arrested or reported to law enforcement.

I just had a financial company tell me God dont like bad. And many other nasty things because I was behind (due to a situation out of my control) and now they call me daily and leave nasty messages, my nerves can't take calling them back. Was this legal?

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