Who Is Hartman & Associates?
Are you receiving relentless phone calls from Hartman & Associates? Have you been threatened with legal action, wage garnishment, or even arrest? If so, it’s time to understand your rights and take control. Harassment by debt collectors isn’t just unethical—it could be illegal.
At The Wood Firm PLLC, we specialize in helping consumers fight back against abusive collection practices. If you believe H & A is violating your rights, we’re here to help. You may be entitled to statutory damages of up to 💸$1,000, plus coverage of your legal fees. Contact us today for a free case evaluation.
Hartman & Associates is a third-party debt collection agency that may be contacting customers about delinquent debts, including credit card bills, medical balances, personal loans, or utility arrears. While collecting debts is legal, how a collector goes about it is strictly regulated by the Fair Debt Collection Practices Act (FDCPA).
Unfortunately, numerous consumers have reported aggressive and questionable tactics used by debt collectors, including representatives from H & A. If these interactions go beyond respectful communication and cross into harassment, you have the right to push back.
Common Complaints About Hartman & Associates
At The Wood Firm PLLC, we frequently hear from clients who describe similar patterns of behavior from debt collectors, including those working for H & A. These complaints often include:
These complaints often reflect poorly on the performance of H & A in adhering to ethical debt collection practices.
✅ 1. Excessive and Repetitive Phone Calls
Being called multiple times a day or receiving calls at inappropriate hours (before 8 AM or after 9 PM) is not just frustrating—it’s a violation of the FDCPA.
✅ 2. Threats of Legal Action or Arrest
Collectors may try to pressure payment by threatening lawsuits, wage garnishment, or even arrest. Unless they genuinely intend to take such actions—and are legally allowed to—they’re not permitted to make these threats.
✅ 3. False or Misleading Representations
Some consumers have reported that Hartman & Associates misrepresented the amount owed or impersonated attorneys or government officials to coerce payment.
✅ 4. Contacting Friends, Family, or Employers
Debt collectors can only contact third parties to locate you—not to discuss your debt, which can negatively impact your standing in the community. If H & A has disclosed your debt to others, they may be breaking the law.
✅ 5. Refusal to Validate the Debt
Under the FDCPA, you have the right to request written verification of any debt. If Hartman & Associates ignores your request or continues collection efforts without validation, this is a major red flag.
What Is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive debt collection practices. The FDCPA ensures that consumers receive accurate and timely information regarding their debts and the actions of debt collectors. It lays out clear guidelines for what collectors can and cannot do.
Key FDCPA Protections Include:
- ➡️ No contact before 8 a.m. or after 9 p.m.
- ➡️ No use of threats, intimidation, or obscene language
- ➡️ No false claims (e.g., pretending to be law enforcement)
- ➡️ No excessive or harassing call frequency
- ➡️ No unauthorized contact with third parties
- ➡️ Required validation of the debt within five days of first contact
If Hartman & Associates violates any of these provisions, you may have grounds for a lawsuit—and The Wood Firm PLLC can help you pursue it.
How to Recognize Harassment by Hartman & Associates
Harassment from a debt collector isn’t always obvious. Here’s a checklist to help you identify possible violations:
Harassment from a debt collector can affect every aspect of your life, including the peace and security of your own house.
| Action by Hartman & Associates | FDCPA Violation? |
|---|---|
| Calling you multiple times per day | Yes |
| Threatening to sue without intention | Yes |
| Using abusive or profane language | Yes |
| Discussing your debt with third parties | Yes |
| Ignoring debt validation requests | Yes |
| Misrepresenting themselves or the debt | Yes |
What You Should Do If Hartman & Associates Contacts You
If you’re being contacted by H & A, here’s what you should do immediately:
✅ 1. Stay Calm and Avoid Admitting to the Debt
Do not agree to anything or admit the debt is yours until you receive proper validation. Admission can restart the statute of limitations in some states.
✅ 2. Document All Communication
Keep a written log of every phone call, voicemail, or letter from Hartman & Associates, and stay updated with any news regarding debt collection practices. Include dates, times, names, and summaries of conversations.
✅ 3. Request Written Validation
Send a written letter to H & A requesting formal validation of the debt. They are required to provide this within five days.
✅ 4. Send a Cease and Desist Letter
You have the right to request that all further communication cease. Once they receive your letter, they can only contact you to inform you of legal action or confirm they are stopping collection.
✅ 5. Speak to a Consumer Protection Attorney
If the harassment continues, contact The Wood Firm PLLC, where we serve the community by protecting consumer rights. We offer free consultations, and you may not have to pay anything unless we win your case.
Why Choose The Wood Firm PLLC?
At The Wood Firm PLLC, we have over 15 years of experience in defending consumer rights. We know how to deal with aggressive collection agencies like Hartman & Associates, and we’re not afraid to take legal action.
Choosing The Wood Firm PLLC allows you to fight back against aggressive debt collection practices.
Our Promise:
- 👉 No upfront fees—we only get paid if you win
- 👉 Aggressive legal advocacy
- 👉 Fast response times
- 👉 A+ rating with the Better Business Bureau
- 👉 Proven results in FDCPA cases
Let our attorneys take the stress off your shoulders. You focus on your life—we’ll handle the harassment.
You May Be Entitled to Compensation
If H & A has violated your rights under the FDCPA, you may be entitled to compensation, which can significantly impact the lives of people affected by their practices:
- ➡️ Up to 💸$1,000 in statutory damages
- ➡️ Actual damages (e.g., emotional distress, lost wages)
- ➡️ Attorney’s fees and legal costs
The law was designed to protect you. Let us help you use it.
Frequently Asked Questions (FAQs)
Can Hartman & Associates sue me❓
They can file a lawsuit only if the debt is valid, within the statute of limitations, and they have legal authority, which can have significant implications for your standing in the neighborhood. However, many threats are empty and meant to scare you into paying.
Is Hartman & Associates allowed to call my job❓
Not without your permission. If you’ve told them not to contact you at work, continuing to do so is a violation of the FDCPA and can affect your reputation in your neighborhoods.
What happens after I send a cease and desist letter❓
Once H & A receives your written request to stop communication, they must comply. They can only contact you to confirm cessation or notify you of legal action.
Can I record calls with debt collectors❓
That depends on your state. Some states require both parties to consent. Regardless, document everything in writing for best results.
Final Thoughts: Don’t Let Harassment Go Unchecked
Being harassed by Hartman & Associates can be overwhelming and stressful, but you’re not powerless. The FDCPA gives you the tools to fight back, and The Wood Firm PLLC is ready to help you use them in a world where consumer rights are often overlooked.
Remember, you’re entitled to:
- 👉 Protection from abusive collection practices
- 👉 Legal representation at no out-of-pocket cost
- 👉 Potential compensation for violations
If you believe H & A has crossed the line, don’t wait. The sooner you act, the stronger your case.
📞 Contact The Wood Firm PLLC Today
Stop the calls. Fight back. Know your rights.
Call The Wood Firm PLLC today at ☎️ +1 844-638-1122 or fill out our contact form for a free case evaluation. Visit our website for more information.
You have rights. We enforce them.
