Debt collectors cannot threaten lawsuits, wage garnishment, or arrest unless those actions are lawful and intended. If Penn Credit uses intimidation or fear-based tactics, they may be violating your federal rights. You must also receive a written validation notice within five days. If they failed to send it, that’s another violation. We can help you take immediate action. ✅ Call Us ... https://protectionforconsumers.com/tired-of-penn-credit-debt-collection-harassment/