ATG Credit is required to follow strict federal laws when attempting to collect a debt. Repeated calls throughout the day or contact at inconvenient hours may be considered harassment under the FDCPA. Debt collectors are not allowed to threaten arrest, lawsuits, or wage garnishment unless they are legally permitted and intend to take those actions. You must receive a written notice of... https://protectionforconsumers.com/end-atg-credit-debt-collection-harassment/