Capital Accounts must follow federal law when attempting to collect a debt. If they are calling you repeatedly throughout the day or contacting you at inconvenient hours, this behavior may qualify as harassment under the FDCPA. Collectors cannot scare you with false threats of lawsuits, wage garnishment, or arrest. You are also legally entitled to receive a written notice explaining t... https://protectionforconsumers.com/capital-accounts-debt-collection-harassment/