If Viking Client Services is calling you repeatedly or at inconvenient hours, this may qualify as harassment under the Fair Debt Collection Practices Act (FDCPA). Debt collectors are prohibited from making threats of lawsuits, wage garnishment, or arrest if those actions are not legal or intended. You have the right to receive written debt validation within five days of first contact.... https://protectionforconsumers.com/addressing-viking-client-services-debt-collection-harassment/