If APD is calling you repeatedly—sometimes multiple times per day or at inconvenient hours—you may be experiencing illegal debt collection harassment. The FDCPA protects you from excessive calls intended to pressure or intimidate you. Debt collectors are also prohibited from threatening lawsuits, wage garnishment, or arrest unless those actions are lawful and genuinely intended. If AP... https://protectionforconsumers.com/stop-apd-debt-collection-harassment/