If American Collection Services is contacting you, it’s important to understand your rights under the Fair Debt Collection Practices Act (FDCPA). Repeated or excessive phone calls—especially multiple calls per day or calls made at inconvenient hours—may qualify as illegal harassment. Debt collectors cannot legally threaten lawsuits, wage garnishment, or arrest unless those actions are lawful and genuinely intended. You are also entitled to receive a written debt validation notice within five days of first contact. If this notice was never provided, your rights may have been violated. Once you ask a collector to stop calling your workplace, they must comply immediately. Discussing your debt with friends, family members, or coworkers is strictly prohibited. Any abusive, rude, or threatening behavior, including profanity or intimidation, violates federal law and could entitle you to compensation.
✅ Take Action Now: https://protectionforconsumers.com/end-american-collection-services-harassment/