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If Swift Funds Financial s contacting you about a debt, knowing your rights under the Fair Debt Collection Practices Act (FDCPA) is critical. Repeated or excessive phone calls—especially calls made several times a day or at inconvenient hours—may be considered harassment. Debt collectors also cannot legally threaten arrest, wage garnishment, or lawsuits unless those actions are lawful and genuinely intended. Another serious warning sign is failing to provide a written debt validation notice within five days of first contact. You have the legal right to receive this information. Additionally, once you tell a collector not to call you at work, they must immediately stop. Swift Funds Financial is also prohibited from discussing your debt with friends, family members, or coworkers. Any abusive, rude, or threatening behavior, including profanity or intimidation, violates federal law and may entitle you to compensation. Understanding these violations empowers you to take action and protect yourself .[https://protectionforconsumers.com/swif … arassment/]