Premiere Credit of North America must follow strict federal guidelines when contacting consumers. Repeated or excessive calls, especially at odd hours, may constitute harassment. Collectors cannot threaten legal action, wage garnishment, or arrest if they do not intend or are not permitted to take such steps. You are entitled to a written validation notice within five days—its absence... https://protectionforconsumers.com/premiere-credit-of-north-america-debt-collection-harassment/