If Simms Associates is calling you repeatedly, at odd hours, or multiple times a day, this may qualify as illegal phone harassment under the Fair Debt Collection Practices Act (FDCPA). Debt collectors are required to follow strict rules when attempting to collect a debt. They cannot threaten lawsuits, wage garnishment, or arrest if those actions are not lawful or intended. You also ha... https://protectionforconsumers.com/stop-simms-associates-phone-harassment/