Facing professional debt mediation does not mean you must tolerate harassment. The FDCPA protects consumers from repeated or excessive calls designed to intimidate or overwhelm. Calls outside reasonable hours may also be illegal. Debt collectors are prohibited from making false threats, including claims of arrest, lawsuits, or wage garnishment if those actions are not allowed or inten... https://protectionforconsumers.com/professional-debt-mediation-harassment/