I’m hoping someone here has some experience with this. I’ve been getting calls from FBCS, and it’s honestly starting to scare me. The caller is extremely rude and uses a threatening tone, saying they will garnish my wages or even have me arrested if I don’t settle a debt immediately.

The worst part is they started calling my parents. They didn’t tell them it was about a debt, but they asked for me and said it was a "personal matter," which really upset my mom. I know they can’t discuss my information with them, but just the act of calling them feels like intimidation.

I’ve been reading up on my rights because I can’t afford this stress. I found a guide that explains exactly what FBCS is not allowed to do: Stop FBCS Debt Collection Harassment.

It says contacting third parties like family and using threats is often a violation of the Fair Debt Collection Practices Act (FDCPA).

My question is: For those who have dealt with FBCS's aggressive tactics, what finally got them to back off? Did filing a complaint with the CFPB or the FTC actually help? I'm considering talking to a consumer protection lawyer for a free consultation, but I wanted to see if anyone here has been through this and has any advice. Thanks.