A-1 Collection Agency Phone Harassment?
Is A-1 Collection Agency (A1CA) calling you? Stop A-1 Collection Agency phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal, and they may harass you in violation of the law, which needs to stop. You have the legal right to stop A1CA phone harassment. You can also hold A-1 Collection Agency accountable for any violations of your rights. As a consumer, you may be subject to harassment by debt collectors, but you are protected under the law. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Introduction to the Issue
Dealing with debt collection is a reality for many consumers, but it can quickly become overwhelming when abusive debt collection practices come into play. Reports of harassment, threats, and unfair treatment by debt collectors are all too common, making it crucial for consumers to understand their rights and the protections available to them. Collection agencies like A-1 Collection Agency are regulated by the Fair Debt Collection Practices Act (FDCPA), which sets clear guidelines to prevent abusive and unfair actions. Before engaging with any collection agency, it’s wise to check their reputation through resources like the Better Business Bureau (BBB) website. The BBB provides valuable insights into complaints, ratings, and reviews, helping consumers make informed decisions and protect themselves from potential harassment. Understanding the actions that collection agencies are allowed—and not allowed—to take is the first step in safeguarding your rights and ensuring fair treatment throughout the debt collection process.
Understanding Debt Collection
Debt collection is the process by which payments are recovered from individuals or businesses who have fallen behind on their debts. Collection agencies, such as A-1 Collection Agency, often work on behalf of creditors—including credit card companies and other businesses—to collect outstanding balances. The process can involve a series of phone calls, letters, and sometimes emails, all aimed at encouraging debtors to pay what they owe. However, it’s important for consumers to understand that debt collectors are bound by strict limitations under the FDCPA. Abusive or threatening behavior, excessive calls, and misleading statements are prohibited. Knowing your rights as a consumer, and understanding the debt collection process, can help you respond confidently and ensure that any attempts to collect a debt are handled fairly and within the law.
The Role of a Collection Agency
A collection agency, like A-1 Collection Agency, is a business dedicated to helping creditors recover unpaid debts. These agencies use a variety of methods—including phone calls, letters, and emails—to reach out to debtors and arrange payments. Many collection agencies, including A-1 Collection Agency, utilize advanced debt collection software to efficiently manage accounts and track communications. It’s essential for collection agencies to adhere to fair debt collection practices, as outlined by the FDCPA and other consumer protection regulations. A-1 Collection Agency, as a 1 collection agency, is recognized for its commitment to ethical business practices and a customer-friendly approach, ensuring that both creditors and consumers are treated with respect throughout the debt collection process.
Is A-1 Collection Agency a Scam?
According to the Better Business Bureau website, A-1 Collection Agency has been in business for 27 years. When reviewing the number of years in business or complaints, it is important to record the date of each complaint or business interaction for accurate documentation. There have been 6 complaints filed against A1CA with the BBB in the last 3 years. Other collection agencies, such as Aspire Resources Inc. or Southern Credit Recovery Inc., have also been the subject of similar complaints and scrutiny.
A-1 Collection Agency Better Business Bureau
A-1 Collection Agency Collection Tactics
A-1 Collection Agency employs a variety of tactics to collect debts, always aiming to balance effective debt recovery with respect for consumers’ circumstances. Their approach includes making phone calls, sending letters, and using email communications to reach out to individuals about outstanding debts. What sets A-1 Collection Agency apart is their focus on understanding each consumer’s ability to pay, working collaboratively to develop payment plans that are both affordable and realistic. By leveraging advanced debt collection software, they are able to manage accounts efficiently and ensure timely follow-up. The agency’s tactics are designed to be fair and transparent, prioritizing respectful communication and a resolution-oriented process that helps consumers address their debts without unnecessary stress.
Who is A-1 Collection Agency?
A-1 Collection Agency is a third party debt collector located in Grand Junction, Colorado. A1CA has been a party to a Federal Court case over 15 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. By law, A-1 Collection Agency is limited in the actions it can take, including restrictions on the frequency and nature of their communications.
Before responding to any collection attempts, it is important to verify whether the debt actually belongs to you and whether it has already been paid. Verifying the debt and confirming if it is paid can help prevent wrongful payments or further disputes.
Address: PO 715 Horizon Dr Ste 401
Grand Junction, CO 81506-8731
Phone: (970) 242-2740
A-1 Collection Agency is often referred to or searched for by other names. These include:
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A-1 Collection Agency Collection Tactics
If A-1 Collection Agency engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Collection agencies should also assist customers in resolving disputes and understanding their accounts, ensuring fair and respectful treatment throughout the process.
A-1 Collection Agency Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
970-242-2740, 970-241-2075, 970-683-5207, 866-683-5215, 970-241-2075, (970) 242-2740, (970) 241-2075, (970) 683-5207, (866) 683-5215, (970) 241-2075, 9702422740, 9702412075, 9706835207, 8666835215, 9702412075
If the answer is yes, then you are receiving calls from a known A1CA number. You may be a victim of A1CA phone harassment. The list above is not all the numbers that A1CA uses. The agency may also use other lines of communication, such as fax, to contact consumers. The calls can be from a different number and it still be A-1 Collection Agency calling you. Contact our office right away so we can start the process to stop A1CA from calling you illegally. Above all, no one should live with harassment!
Common Questions
Is A1CA a scam? No, A-1 Collection Agency has been in business for 27 years.
Can A-1 Collection Agency garnish my wages? Yes, A1CA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can A1CA sue me? Yes, A1CA can sue you so long as the debt is within the statute of limitations
Can A1CA report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. Security of your personal information is important, and agencies are required to follow strict security measures to protect consumer data.
Can A1CA arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against A-1 Collection Agency in the past year and can be found on Pacer.org.
1:14-cv-03506-MEH Denney et al v. A-1 Collection Agency, LLC
3:14-cv-07062-TJB Krady v. A-1 Collection Agency, LLC
It is important to act in a timely manner when responding to legal actions or complaints, as reducing the time it takes to address these issues can improve outcomes and demonstrate efficiency in debt collection practices.
Consumer Rights and Protections
When dealing with debt collectors, consumers are protected by a range of rights designed to prevent abusive debt collection practices. The FDCPA prohibits debt collectors from engaging in harassment, making threats, or using abusive language. Consumers have the right to dispute debts, request verification, and demand that collection agencies stop unwanted calls. If you’re concerned about a collection agency’s reputation, the Better Business Bureau (BBB) website is a valuable resource for checking complaints, ratings, and reviews. In addition, organizations like the Federal Trade Commission (FTC) offer guidance and support for consumers facing harassment or illegal actions from debt collectors. Understanding your rights and the limitations placed on debt collectors is essential for protecting yourself, ensuring fair treatment, and taking action if you experience any form of harassment or abuse during the debt collection process.
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the A-1 Collection Agency harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumers can find experienced legal help and resources for dealing with debt collection harassment by reaching out to our team. The content we provide is designed to educate consumers about their rights and inform them about the steps they can take to protect themselves.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from A-1 Collection Agency call us at (877)700-5790 for immediate assistance or visit our website at consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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