Harassing calls from American Collection Services can disrupt your life, but federal law protects you. Under the FDCPA, collectors are prohibited from repeatedly calling you or contacting you at unreasonable times. They also cannot make false threats about lawsuits, wage garnishment, or arrest to pressure you into paying. You must receive a written validation notice within five days o... https://protectionforconsumers.com/end-american-collection-services-harassment/