AAA Acceptance Corp Phone Harassment?
Is AAA Acceptance Corp (AAA AC) calling you? Stop AAA Acceptance Corp phone harassment. Do they threaten to take legal action or garnish your wages? Are you being called repeatedly 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 may constitute abuse under federal law, as repeated calls and threats are prohibited by the FDCPA. You have the legal right to stop AAA AC 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. AAA Acceptance Corp is attempting to collect a debt, but they must do so within the boundaries of the law.
Is AAA Acceptance Corp a Scam?
According to the Better Business Bureau website, their BBB page shows they have been in business for 44 years.
AAA Acceptance Corp
Who is AAA Acceptance Corp?
They are a third party debt collector and debt collection agency located in Fort Wayne, Indiana.
Address: 3501 S Harrison St
Fort Wayne, IN 46807-2023
Phone: (260) 744-4387
Consumers may be contacted by AAA Acceptance Corp regarding unpaid debts.
AAA Acceptance Corp Collection Tactics
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling your workplace
- Pressuring you to make a payment immediately
- Threatening consequences for failing to pay
- Failing to comply with legal requirements
AAA Acceptance Corp Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
260-744-4387, (260) 744-4387, 2607444387
If the answer is yes, then you are receiving calls from a known AAA AC number. You may be a victim of AAA AC phone harassment. The list above is not all the numbers that AAA AC uses. The calls can be from a different number and it still be AAA Acceptance Corp calling you. For each call you receive, be sure to document the date and time, as this information can be important for your case. Contact our office right away so we can start the process to stop AAA AC from calling you illegally. Above all, no one should live with harassment!
Debt Collectors and the Law
When dealing with debt collectors like AAA Acceptance Corp, it’s important to know that there are strict federal laws in place to protect consumers from unfair or abusive collection practices. The Fair Debt Collection Practices Act (FDCPA) is the cornerstone of fair debt collection practices in the United States. This law makes it illegal for any debt collector or collection agency to engage in abusive, threatening, or deceptive behavior—such as making repeated calls, using threatening language, or providing false information about your debt.
Under the FDCPA, debt collectors must provide you with clear information about your debt, including the amount owed and the name of the original creditor. If you dispute the debt or request validation, the debt collector is required by law to respond and provide verification. If a debt collector fails to comply with these requirements or continues abusive behavior, you have the right to file complaints and may be entitled to damages, including attorney fees.
In addition to the FDCPA, the Telephone Consumer Protection Act (TCPA) regulates how debt collectors can contact you, especially when it comes to automated calls or pre-recorded messages. Debt collectors must have your consent before using automated dialing systems, and you have the right to opt out of such calls at any time.
The Better Business Bureau (BBB) is a valuable resource for checking whether a company like AAA Acceptance Corp is a legitimate collection agency or if you might be dealing with a scam. The BBB allows consumers to review business practices, file complaints, and see how companies respond to consumer concerns.
If you are served with a lawsuit by a debt collector, it’s crucial to respond promptly. Ignoring a lawsuit can result in a default judgment against you, which may lead to wage garnishment or other collection actions. If you’re unable to afford an attorney, look for free or low-cost legal aid services or a non-profit law firm that can help you protect your rights.
Sometimes, debt collectors may offer to settle your debt for less than the full amount. While this can be a helpful way to resolve outstanding debts, always review any agreement carefully and don’t let yourself be pressured into a quick decision. Consulting with an attorney or financial advisor can help you understand your options and avoid unfavorable terms.
By understanding your rights under federal laws and knowing how to respond to debt collectors, you can protect yourself from abusive practices and work toward resolving your debts in a fair and legal manner. If you believe your rights have been violated, don’t hesitate to seek professional help and report the behavior to the appropriate agencies.
Common Questions
Is AAA AC a scam? No, they have been in business for 44 years.
Can AAA Acceptance Corp garnish my wages? Yes, AAA AC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can AAA AC sue me? Yes, AAA AC can sue you so long as the debt is within the statute of limitations. However, you have the right to request that AAA Acceptance Corp validate the debt before they take further action. This means they must provide proof that the debt is legitimate and legally enforceable.
Can AAA AC report my debt to the collection bureaus? Yes, debt collectors are allowed to place the collection account on your credit report.
Can AAA AC 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.
What if the original creditor is contacting me? Creditors, like debt collectors, must also follow the law when attempting to collect a debt.
What should I do if I believe there have been violations of the FDCPA? If you believe AAA Acceptance Corp or any debt collector has committed violations of the Fair Debt Collection Practices Act (FDCPA), you can file a complaint with the (CFPB) or seek legal advice. There are legal means available to enforce your rights and potentially recover damages for any violations.
What legal action can I take if I am being harassed? There are legal means to protect yourself from harassment by debt collectors or creditors. You can consult with an attorney or contact the CFPB to understand your options.
About Us
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. If you are experiencing harassment, contacting an attorney is crucial to protect your rights and stop abusive collection practices. Rather than suffer alone, contact our office to begin the process to stop the AAA Acceptance Corp 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 harassment from AAA Acceptance Corp. call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
“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”.
A past client was able to resolve their debt collection issue and recover damages with our help. For example, in one case, we assisted a client in taking legal action against a collector who violated their rights, resulting in compensation for the client.
“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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