Being contacted by North American Credit Services can feel stressful, but federal law limits how collectors may communicate with you. Repeated or excessive phone calls are often considered harassment under the FDCPA. Collectors also cannot threaten lawsuits, wage garnishment, or arrest unless such actions are lawful and actually intended. Another key requirement is providing a written... https://protectionforconsumers.com/north-american-credit-services-debt-collection-harassment/