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.
Who is A.C.A. Recovery, Inc.?
Located in Ridgewood, New Jersey, A.C.A. Recovery is a third-party debt collector that buys delinquent debts from original creditors. They have faced multiple federal lawsuits related to alleged violations of consumer rights, including phone harassment and deceptive collection practices.
Address: 50 E. Ridge Ave. #395, Ridgewood, NJ 07450
Phone: (800) 356-3713
Is A.C.A. Recovery, Inc. a Scam?
No, its not a scam. A.C.A. Recovery, Inc. is a legitimate debt collection agency. According to the Better Business Bureau (BBB), they have been operating for over 21 years, with only 2 complaints reported. While they are not a scam, some consumers report aggressive tactics that may cross legal boundaries.
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. 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 them from calling you illegally. Above all, no one should live with harassment!
Why A.C.A. Recovery, Inc. Might Be Calling You
A.C.A. Recovery, Inc. contacts individuals because they believe you owe a past-due debt. Often, they purchase charged-off accounts from original creditors, meaning the debt now belongs to them. Calls may be frequent or persistent to encourage repayment, even if the debt is small or disputed. Understanding why theyâre calling can help you respond properly and protect your rights.
A.C.A. Recovery, Inc. Collection Tactics
A.C.A. Recovery, Inc. uses letters, emails, persistent calls, credit reporting, and lawsuits to collect debts. These tactics can hurt your credit and finances. Under the FDCPA, abusive or deceptive practices are illegal, and you have the right to challenge A.C.A. Recovery Inc phone harassment and seek legal help.
- 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 youâve 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.
How to Stop A.C.A. Recovery Inc Calls
If youâre tired of repeated calls from A.C.A. Recovery, Inc., you have the right to take action and stop the harassment. Follow these steps:
Step 1: Document Every Call: Keep a record of the date, time, phone number, and content of each call. This documentation can be crucial if legal action becomes necessary.
Step 2: Send a Cease-and-Desist Letter: Send a written request asking A.C.A. Recovery to stop calling you. Under the FDCPA, once they receive this letter, they may only contact you to confirm they will stop or to notify you of specific legal actions.
Step 3: Request Debt Verification: Within 30 days of their first contact, you can ask them to provide written verification of the debt. If they cannot verify it, they must cease all collection attempts.
Step 4: Block Known Numbers: Use call-blocking features on your phone to reduce unwanted calls. Keep in mind, debt collectors may call from multiple or spoofed numbers.
FStep 5: File a Complaint: If calls continue, report them to:
- CFPB ()
- FTC (Federal Trade Commission)
- Your state attorney generalâs office
Consult an Attorney: A consumer rights attorney can help stop calls, verify debts, and potentially recover statutory damages if the collector violated the FDCPA or TCPA.
Remember: You are not required to endure harassment. Taking these steps can put an end to repeated calls and protect your legal rights.
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.
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FDCPA: Prohibits harassment, deception, and unfair practices by debt collectors.
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TCPA: Restricts robocalls and automated messages without prior consent.
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Patient Rights (ACA): Ensures access to preventive care and appeal rights for denied coverage.
Violations of these laws can result in complaints to federal agencies or legal action for damages.
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.
If you are being harassed, you can:
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File a complaint with the Federal Trade Commission (FTC) for debt issues
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Contact the Department of Health and Human Services (HHS) for healthcare-related concerns
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Reach out to your state insurance department for health coverage disputes
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Seek guidance from consumer specialized attorneys
Legal professionals can help stop harassment, verify debts, and protect your rights.
How Our Attorneys Stop A.C.A. Recovery Inc Harassment
Our attorneys help consumers put an end to repeated calls, threats, and abusive tactics from A.C.A. Recovery, Inc.:
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Review Your Case: Assess calls and correspondence to see if your rights under FDCPA or TCPA are violated.
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Cease-and-Desist Letters: Legally demand the collector stop contacting you.
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Debt Verification: Ensure the debt is valid before any payment is made.
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Negotiate or Sue: Resolve debts professionally or pursue legal action for damages and fees.
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Full Representation: Handle all communication so you no longer face harassment directly.
With our help, harassment stops, your rights are protected, and collectors are held accountable.
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
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! Iâm 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.”
FAQs
Who is A.C.A. Recovery Inc and why are they calling me?
A.C.A. Recovery Inc is a thirdâparty debt collector based in Ridgewood, NJ. They’re calling because they believe you owe a debt thatâs past due and are seeking payment.
Is A.C.A. Recovery Inc a legitimate debt collector or a scam?
They are a legitimate collection agency in business since 1998 (also known as Accredited Collection Agency), though some consumers say their aggressive tactics may violate the FDCPA.
Can A.C.A. Recovery Inc legally harass me with phone calls?
No. Under the FDCPA, debt collectors cannot harass you that includes repeated calls, abusive language, calls before 8âŻa.m. or after 9âŻp.m., or contacting your workplace without permission.
Theyâre calling me and my family, what should I do?
Document each call and who they call. Send a written cease-and-desist letter. If calls continue, file complaints with the CFPB or FTC and consider talking to a consumer rights attorney.
Can A.C.A. Recovery Inc threaten to sue or garnish my wages?
They can file a lawsuit if your debt is still within the statute of limitations. If they obtain a judgment, they may garnish your wages, but they cannot threaten legal action they donât intend to pursue.
Do I have to pay A.C.A. Recovery Inc without verification?
No. You have the right to request written verification of the debt within 30 days of their first contact. If they can’t verify, they must stop collection activities.
Can A.C.A. Recovery Inc use robocalls or spoofed numbers?
Yes, consumers report receiving calls from spoofed or unfamiliar numbers. Using robocalls without prior consent can violate the TCPA, and spoofing to mislead may breach FDCPA rules.
Can I sue A.C.A. Recovery Inc for phone harassment?
Yes. If they violate the FDCPA or TCPA by harassing calls, false threats, or robocalls, you may be eligible to sue for statutory damages and legal costs.
