If American Collection Services is contacting you, watch for behaviors that may violate the FDCPA. Excessive phone calls, especially multiple calls per day, can be considered harassment. Collectors cannot threaten arrest, lawsuits, or wage garnishment if those actions are not legally permitted or intended. You are legally entitled to a written notice validating the debt within five da... https://protectionforconsumers.com/end-american-collection-services-harassment/