When a third-party collector like Capio Partners keeps calling about a past-due medical bill, your everyday routine can morph into a source of dread. The constant interruptions—at work, during meals, or even late at night—chip away at your emotional wellbeing and sense of control. But you’re not without tools. By learning how to challenge the debt, document the calls, and enforce your legal rights under the Fair Debt Collection Practices Act (FDCPA), you can push back, regain your dignity, and stop the harassment in its tracks.