North American Credit Services must follow strict federal guidelines when attempting to collect a debt. If you receive nonstop calls or calls at inconvenient times, this could qualify as harassment under the FDCPA. Debt collectors may not threaten legal action, wage garnishment, or arrest unless such actions are allowed by law and intended. You are also entitled to a written notice va... https://protectionforconsumers.com/north-american-credit-services-debt-collection-harassment/