True Accord debt collectors must follow strict federal rules when attempting to collect a debt. When those rules are ignored, consumers often experience harassment that can feel overwhelming and stressful. Excessive phone calls, especially when intended to annoy or pressure you, are not allowed. Debt collectors also cannot legally threaten arrest, wage garnishment, or lawsuits unless those actions are real and lawful. If you never received written notice validating the debt, your rights may have already been violated. Once you inform a collector not to contact you at work, they must comply—continued calls to your employer are illegal. Additionally, discussing your debt with third parties or using abusive, rude, or threatening language is strictly prohibited under the FDCPA. These behaviors are not just unethical—they are unlawful. If you believe True Accord has crossed the line, you don’t have to tolerate it. Understanding your rights is the first step toward stopping harassment and holding collectors accountable.