Debt collectors like FBCS are required to follow strict federal guidelines when collecting a debt. If you are receiving constant phone calls or communications designed to pressure or intimidate you, your rights may be violated. The FDCPA prohibits collectors from threatening arrest, lawsuits, or wage garnishment if they are not legally permitted or do not intend to pursue those action... https://protectionforconsumers.com/stop-fbcs-debt-collection-harassment/