Being pursued by Allied Collection Services can feel overwhelming, but federal law places strict limits on what debt collectors can do. If you are receiving nonstop calls throughout the day or being contacted at inconvenient hours, these actions may violate the FDCPA. Debt collectors cannot legally threaten arrest, lawsuits, or wage garnishment unless they are permitted and truly plan to take those steps. You are also entitled to a written notice explaining the debt within five days of first contact. If you never received this notice, your rights may have been violated. Once you tell a collector to stop contacting you at work, they must immediately comply. Sharing information about your debt with others or using rude, abusive, or threatening language is illegal. Knowing these rules empowers you to protect yourself and hold collectors accountable.
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