If Professional Accounts Services is contacting you repeatedly, you may be facing illegal debt collection harassment. The Fair Debt Collection Practices Act (FDCPA) protects consumers from repeated or excessive phone calls meant to pressure or intimidate them. Calls made multiple times a day or at inconvenient hours can qualify as harassment under federal law. Debt collectors are also prohibited from threatening lawsuits, wage garnishment, or arrest unless those actions are lawful and genuinely intended. You are entitled to receive a written validation notice of the debt within five days of the first contact. If you did not receive this notice, your rights may have been violated. Once you tell a collector to stop contacting you at work, continued workplace calls are illegal. Collectors may not discuss your debt with friends, family, or coworkers. Any abusive, rude, or threatening behavior violates federal law and could entitle you to damages.
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