Michael Andrews & Associates Phone Harassment — Know Your Rights and How to Stop the Calls
Michael Andrews & Associates Phone Harassment — Know Your Rights and How to Stop the Calls
Blog Article
Are you receiving persistent, unwanted calls from Michael Andrews & Associates? If you're being harassed by debt collectors representing this company, you are not alone — and you may be protected under federal consumer protection laws.
At ConsumerLawFirmCenter.com, we help consumers stop illegal phone harassment and understand their legal rights when it comes to aggressive debt collection practices.
Who is Michael Andrews & Associates?
Michael Andrews & Associates is a debt collection agency that contacts consumers regarding outstanding debts. While collecting a debt is legal, using harassment, threats, or robocalls to do so is not. Numerous consumers have reported abusive, repeated, or deceptive calls from this agency — sometimes multiple times a day.
What is Considered Phone Harassment?
Phone harassment goes beyond frequent calls. You may be experiencing debt collection harassment if Michael Andrews & Associates:
Calls you multiple times per day, especially after you’ve asked them to stop
Uses robocalls or automated messages without your consent
Leaves voicemails without disclosing who they are
Calls your job, family, or neighbors about the debt
Uses threats, intimidation, or profanity
Refuses to send written proof of the debt
Continues calling even after you've disputed the debt or requested they stop
Your Legal Protections
You are protected by two important federal laws:
???? Telephone Consumer Protection Act (TCPA)
The TCPA restricts telemarketers and debt collectors from:
Using automated dialing systems (robocalls) without your consent
Leaving pre-recorded voice messages on your cell phone
Calling you after you've revoked consent
Each violation may entitle you to $500 to $1,500 per call in damages.
⚖️ Fair Debt Collection Practices Act (FDCPA)
If Michael Andrews & Associates is acting as a third-party debt collector, the FDCPA prohibits them from:
Harassing or threatening you
Misleading you about the debt
Ignoring written requests to stop contact
Calling at unreasonable hours (before 8 a.m. or after 9 p.m.)
Contacting others about your debt (other than to locate you)
What You Can Do to Protect Yourself
✅ 1. Keep Detailed Records
Document every call, voicemail, and message. Save call logs and screenshots, and record dates and times.
✅ 2. Request Debt Validation
Ask for written proof of the debt within 30 days of their first contact. If they fail to respond, they must stop collection efforts.
✅ 3. Send a Cease-and-Desist Letter
You have the right to request they stop contacting you. Once received, most further communication becomes illegal.
✅ 4. Report Their Behavior
You can file complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Communications Commission (FCC), and your state Attorney General’s office.
✅ 5. Consult a Consumer Rights Attorney
You may be entitled to compensation for each violation of the law. We can help you explore your legal options and stop the harassment.
Let Us Help You End the Harassment
At ConsumerLawFirmCenter.com, we specialize in protecting consumers from illegal debt collection tactics. If Michael Andrews & Associates is harassing you with relentless calls or robocalls, you may be entitled to damages — and we’re here to help you fight back.
???? Call us today or fill out our free case evaluation form to find out how to stop the calls and hold them accountable.