Bass and Associates must follow federal guidelines when attempting to collect a debt. If you’re getting repeated calls or being contacted at odd hours, this could be harassment under the FDCPA. Collectors are not allowed to threaten lawsuits, garnishment, or arrest unless they truly intend and are allowed to take such action. You are entitled to a written debt validation notice within five days, so failing to provide one is a violation. Calling your workplace after being told not to or discussing your debt with others is strictly illegal. Abusive, rude, or intimidating behavior is also prohibited.
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