Constant phone calls from Malcolm S. Gerald & Associates can be overwhelming and emotionally exhausting, especially when they come at odd hours or target your relatives and neighbors. These actions may cross legal boundaries and violate your rights under the FDCPA. Debt collectors are not allowed to harass, threaten, or shame you into making payments. If your privacy has been invaded ... https://protectionforconsumers.com/stop-credit-management-company-harassment/