🚨A.C.A. Recovery Inc Phone Harassment
Is A.C.A. Recovery, Inc. (A.C.A.) calling you? Stop A.C.A. Recovery Inc 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 needs to stop. You have the legal right and ability to stop A.C.A. Recovery Inc phone harassment. 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. If you are concerned about your legal rights, it is important to understand the protections available to you.
⚠️Is A.C.A. Recovery, Inc. a Scam?
According to the Better Business Bureau website, they have been in business for 21 years. There have been 2 complaints filed against A.C.A. with the BBB.
🔎Who is A.C.A. Recovery, Inc.?
They are a third party debt collector located in Ridgewood, New Jersey. A.C.A. Recovery, Inc. has been a party to a Federal Court case several times, affecting many members who have faced their aggressive tactics. They have been accused of violating consumer’s rights and A.C.A. Recovery Inc phone harassment to attempt to coerce a payment from the harassed consumer.
These tactics can severely impact the quality of life for individuals, causing emotional distress and financial instability.
Address: 50 E. Ridge Ave. #395
Ridgewood, NJ 07450
Phone: (800) 356-3713
📢A.C.A. Recovery, Inc. Collection Tactics
A.C.A. Recovery, Inc. is known for employing a variety of tactics to collect debts from consumers. These tactics can include sending letters and emails demanding payment, making persistent phone calls, reporting debts to credit bureaus, and even filing lawsuits. Such actions can significantly impact a consumer’s credit score and overall financial health.
However, consumers are not without protection. Under federal law, specifically the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from engaging in abusive, harassing, or deceptive practices. This means that if A.C.A. Recovery, Inc. is using any of these tactics, they may be in violation of the law. Consumers have the right to stand up against such A.C.A. Recovery Inc phone harassment and seek legal recourse.
💡A.C.A. Recovery, Inc. Debt Collectors Collection Tactics
If they engage in any of the following tactics, you may have a case A.C.A. Recovery Inc phone harassment:
- 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
Individuals and families affected by these tactics may experience significant emotional and financial stress.
📞A.C.A. Recovery, Inc. Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-356-3713, (800) 356-3713, 8003563713
If the answer is yes, then you are receiving calls from a known A.C.A. number. You may be a victim of A.C.A. Recovery Inc phone harassment. The list above is not all the numbers that A.C.A. uses. The calls can be from a different number and it still be A.C.A. Recovery, Inc. calling you. Contact our office right away so we can start the process to stop A.C.A. from calling you illegally. Above all, no one should live with harassment!
🛡Common Questions
Is A.C.A. a scam?
No, They have been in business for 21 years.
Can they garnish my wages?
Yes, A.C.A. can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can A.C.A. sue me?
Yes, A.C.A. can sue you so long as the debt is within the statute of limitations
Can A.C.A. report my debt to the collection bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report
Can A.C.A. 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.
⚖️Federal Law and Consumer Protection
Federal law offers robust protections for consumers, particularly in the realms of debt collection and patient rights. The Affordable Care Act (ACA), for instance, ensures that patients have the right to appeal a denial of coverage and access preventive care without cost-sharing. This is crucial for maintaining the health and well-being of individuals and families.
On the debt collection front, the Fair Debt Collection Practices Act (FDCPA) provides a shield against A.C.A. Recovery Inc phone harassment. Debt collectors are forbidden from making false or misleading statements, using abusive language, making excessive phone calls, or failing to provide written notice of the debt and the consumer’s rights. If a consumer believes their rights have been violated, they can file a complaint with the relevant agency or seek injunctive relief in district court.
📄Resolving Disputes and Filing Complaints
If you find yourself in a dispute with a debt collector or healthcare provider, filing a complaint against A.C.A. Recovery Inc phone harassment can be an effective way to resolve the issue. The process typically involves submitting a written statement that outlines the problem and your desired resolution.
For debt collection complaints, you can file with the Federal Trade Commission (FTC). If your issue is related to the Affordable Care Act, the Department of Health and Human Services (HHS) is the appropriate agency. Additionally, state insurance departments handle complaints related to health insurance coverage.
Consumers can also seek assistance from consumer advocacy groups or attorneys who specialize in consumer protection law. These professionals can provide valuable guidance and support, ensuring that your rights are upheld and that you receive the justice you deserve.
🧾Complaint Against A.C.A. Recovery, Inc.
The following is a sample of complaints filed against A.C.A. Recovery, Inc. in the past and can be found on Pacer.gov.
1:00-cv-05202-JSM Cooper v. A.C.A. Recovery, Inc
A.C.A. Recovery Inc Phone Harassment Claims
💼About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing A.C.A. Recovery Inc phone harassment from debt collectors in any form, including telephone communication. Our services also extend to patient protection under the Patient Protection Affordable Care Act (ACA), ensuring your healthcare rights are upheld. Rather than suffer alone, contact our office to begin the process to stop their harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent A.C.A. Recovery Inc phone harassment from A.C.A. Recovery, Inc. call us at 855-385-8182 for immediate assistance or visit our website.
🏆Success Stories
“I am incredibly grateful to Consumer Rights Law Firm for their exceptional service in helping me during a difficult time. Debt collectors were harassing me relentlessly, and it felt like there was no way out. From the moment I reached out to them, they provided me with the support and guidance I desperately needed. Scott was amazing from start to finishing calling & following through with questions & answers.”
“I just want to say, Thank You so much Matt! I’m grateful to God that He directed me to click the website. I was overwhelmed with the constant harassment from a debt collector. Thank you so much for all your help. Matt worked all so quick and was able to help me to stop the harassment.”
