Debt collectors, including Valentine & Kebartas, must follow strict federal guidelines when attempting to collect a debt. Repeated phone calls, workplace contact after refusal, and disclosure of your debt to others are clear FDCPA violations. You are entitled to a written validation notice, and collectors cannot threaten lawsuits, garnishment, or arrest without legal grounds. Any abus... https://protectionforconsumers.com/stop-valentine-kebartas-debt-collection-harassment-now/