Qualia Collection Services must follow strict federal laws when attempting to collect a debt. If you are receiving multiple calls per day or calls at inconvenient hours, this could qualify as harassment under the FDCPA. Debt collectors are not allowed to threaten lawsuits, wage garnishment, or arrest unless those actions are lawful and genuinely intended. You should also receive a wri... https://protectionforconsumers.com/end-qualia-collection-services-debt-harassment/