If you are being contacted by American Debt Management, knowing what constitutes harassment can protect you from unlawful collection tactics. Excessive phone calls, especially multiple times a day or outside reasonable hours, may violate the FDCPA. Collectors also cannot threaten lawsuits, wage garnishment, or arrest if those actions are not legally permitted. Another common violation... https://protectionforconsumers.com/stop-american-debt-management-debt-collection-harassment/