Debt collection should never involve fear, pressure, or intimidation. If Action Collection Agency is using repeated phone calls, threats, or abusive language, they may be violating the FDCPA. Collectors cannot legally threaten arrest, lawsuits, or wage garnishment unless such actions are legitimate and intended. They are also required to send you written notice of the debt within five... https://protectionforconsumers.com/stop-action-collection-agency-debt-harassment/