If Hartman & Associates is pursuing you for a debt, it’s important to recognize unlawful collection tactics. Excessive phone calls intended to pressure or annoy you may violate the FDCPA. Debt collectors are not allowed to misrepresent their authority by threatening arrest, lawsuits, or wage garnishment when such actions are not permitted. You also have the right to receive a written ... https://protectionforconsumers.com/harassed-by-hartman-associates-heres-what-you-need-to-know-about-your-rights/