AAA Collectors Phone Harassment?
Is AAA Collectors (AAAC) calling you? Stop AAA Collectors phone harassment. Do they threaten to take legal action, threaten you by threatening legal action, or garnish your wages? Are they calling you at all hours or several times a day? Are they contacting your family and neighbors as part of their harassment tactics, telling them that you owe a debt? If so, what they are doing is illegal and needs to stop. You have the legal right to stop harassing calls from AAAC.
Is AAA Collectors a Scam?
According to the Better Business Bureau website, they have been in business for 25 years. Read more here: AAA Collectors Better Business Bureau.
Who is AAA Collectors?
AAA Collectors is a company specializing in third party collections, acting as a debt collection agency for various industries. They are a third party debt collector located in Colorado Springs, Colorado. AAA Collectors, Inc. (also known as aaa collections inc or AAA Collections) is a legitimate collection agency with a longstanding history in the industry. The company is part of a group of accounts receivable management companies and debt collection agencies that operate nationwide. AAA Collectors works with multiple creditors and other collection agencies to recover outstanding debts, including medical bills and credit card debts. Companies in the industry, such as Advanced Asset Alliance, also provide similar services and contribute to the accounts receivable management sector.
🏛️ AAA Collectors Address: 2910 N Academy Blvd #101 Colorado Springs, CO 80917-5351
📞 Phone: (719) 550-0330
AAA Collectors maintains a presence in Sioux Falls, with a specific office at 100 Sioux Falls SD, and is accessible at Sioux Falls SD 57105. Their operations extend throughout South Dakota and North Dakota, establishing their regional and local legitimacy in these areas.
AAAC has been a party to a Federal Court case over 10 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.
AAA Collectors Collection Tactics
AAA Collectors, as a debt collection agency, uses a variety of tactics to collect debts from consumers. These can include repeated phone calls, sending letters, and even emails in an effort to persuade you to pay an alleged debt. While AAA Collectors is a legitimate collection agency, they are required by law to follow fair debt collection practices as outlined in the Fair Debt Collection Practices Act (FDCPA) and theFair Credit Reporting Act (FCRA). Despite these regulations, many complaints have been filed against AAA Collectors, with consumers reporting harassment, misleading information, and attempts to collect debts that are not actually owed.
Some consumers have experienced collection calls at inconvenient times, or have received false or misleading information about the amount owed or the consequences of non-payment. If you are contacted by AAA Collectors, remember that you have the right to request validation of the debt before making any payments. Always be cautious and keep records of all phone calls and correspondence. If you believe the information provided is inaccurate or the collection tactics are aggressive, you have the right to dispute the debt and report any violations of the collection practices act (FDCPA).
Understanding Your Rights When Dealing with AAA Collectors
When you are contacted by a debt collector like AAA Collectors, it’s important to know your rights under federal laws such as the FDCPA and FCRA. These laws are designed to protect consumers from debt collector harassment, including repeated phone calls, threats of legal action, or attempts to garnish your wages without proper legal process. You have the right to request validation of any debt AAA Collectors claims you owe, and you can dispute the debt if you believe it is incorrect.
If you feel you are being harassed or if AAA Collectors is using unfair or deceptive practices, you can file a complaint with the Better Business Bureau or the . It’s also wise to keep detailed records of every interaction—note the dates, times, and content of all calls and letters. If you need to negotiate a payment plan, do so in writing and keep copies for your records. By understanding your rights and staying informed, you can protect yourself from unfair collection practices and ensure that AAA Collectors follows all applicable laws regarding debt collection.
AAA Collectors Collection Tactics
If they engage in any of the following tactics, you may have a case:
- ➡️ Attempting to collect outstanding debts through repeated phone calls, letters, or other aggressive means.
- ➡️ Reporting outstanding debts to credit bureaus, which can negatively impact your credit report.
- ➡️ Listing a collection account on your credit report, which can remain for up to seven years even after the debt is paid.
- ➡️ Providing false information to a credit bureau or credit reporting agencies, which can harm your credit standing.
- ➡️ Contacting your family members about your debt, which may be considered harassment under the FDCPA.
- ➡️ Threatening or actually filing a lawsuit or multiple lawsuits against you to collect a debt.
- ➡️ Seeking to garnish wages after obtaining a court judgment.
- ➡️ Using accelerated recovery tactics to quickly recover money owed, especially for medical bills.
- ➡️ Attempting to collect debts for various creditors, as AAA Collections collect on behalf of many different companies.
- ➡️ Employing tactics similar to many debt collection agencies, including persistent or aggressive collection efforts.
- ➡️ Failing to provide the date of debt origination or collection activity, which is important for disputing or understanding your debt.
- ➡️ Failing to update your credit report to show a debt as paid after you have made a payment, or misleading you about the impact of paying collections.
- ➡️ Failing to inform you that paying a collection account will not remove it from your credit report, and that a paid collection can still affect your credit score.
- ➡️ Failing to follow proper procedures with credit reporting agencies when reporting or updating debt information.
- ➡️ Failing to inform you of your right to pursue a fee lawsuit or recover attorney fees if you sue for harassment or violations.
- ➡️ Failing to inform you that you may be able to recover money or damages if your rights are violated under the FDCPA or other laws.
- ➡️ Misrepresenting the amount of money owed or the consequences of not paying.
AAA Collectors Phone Numbers
- 📲 719-550-0330
- 📲 (719) 550-0330
- 📲 7195500330
These are AAA Collections phone number(s) used for contacting consumers.
If the answer is yes, then you are receiving calls from a known AAAC number. You may be a victim of AAAC phone harassment. The list above is not all the numbers that AAAC uses. The calls can be from different numbers and it still be AAA Collectors calling you. Contact our office right away so we can start the process to stop AAAC from calling you illegally. Above all, no one should live with harassment!
The following is a sample list of complaints filed against AAA Collectors in the past and can be found on Pacer.gov.
- 📋 5:05-cv-00433-JW Arenas v.
- 📋 3:02-cv-01068-AWT Goins v.
- 📋 0:00-cv-01092-DWF-AJB Cannon v.
- 📋 0:00-cv-02710-DSD-JMM Larson v.
Consumer Rights Law Firm PLLC
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 AAA Collectors 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 Collectors. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I was getting non-stop phone calls from a debt collector, even after I told them to stop. I contacted Consumer Rights Law Firm PLLC, and within a few days, the calls completely stopped. They sent a cease-and-desist letter and even helped me get compensation for the harassment. I finally feel in control again. Highly recommend them!
- 🏆 Consumer Rights Law Firm PLLC handled my case with so much professionalism and care. The debt collectors were calling my work and even threatening me, but the team at this firm stepped in and protected my rights. They explained everything clearly and walked me through each step. I was awarded $1,000 for the harassment — thanks to them!
- 🏆 I had tried reporting a collection agency to the CFPB, but nothing happened. Then I found Consumer Rights Law Firm PLLC. They took my case seriously and filed a lawsuit against the collector. The calls stopped immediately, and I received a settlement for emotional distress. I’m so grateful I found them.
- 🏆 I was scared and overwhelmed by debt collectors who kept threatening legal action. Consumer Rights Law Firm PLLC stepped in and shut it down. They showed me that the threats were illegal and helped me get compensation. I finally sleep better at night knowing the harassment is over.
FAQs
Who is AAA Collectors and why are they calling me?
AAA Collectors is a third-party debt collection agency that reaches out to consumers about past-due debts they believe you owe.
Is AAA Collectors a legitimate debt collector or a scam?
AAA Collectors is a real collection agency. However, many consumers report aggressive tactics, so you should always request written debt validation to confirm the debt is legitimate.
How many times can AAA Collectors legally call me before it’s harassment?
Under the FDCPA and the CFPB’s Debt Collection Rule, more than seven calls about the same debt within seven days, or within seven days after speaking with you, may be considered harassment.
What should I do if AAA Collectors keeps calling me at work or odd hours?
Notify them in writing not to call you at work or outside 8 a.m. to 9 p.m., and keep records of every violation. Ignoring your request may justify filing a formal complaint.
Can AAA Collectors use robocalls or spoofed phone numbers?
Some debt collection calls may involve robocalls or spoofed caller IDs. Without your consent, automated calls may violate the TCPA, and spoofing may also be illegal.
Can AAA Collectors threaten to arrest me or garnish my wages?
Debt collectors cannot threaten arrest. Wage garnishment is only possible after a court judgment, not simply because of a collection call.
Can AAA Collectors affect my credit score?
Yes. If AAA Collectors reports unpaid debts to credit bureaus, your credit score may be negatively impacted. Incorrect reporting can be disputed.
How can I make AAA Collectors stop contacting me?
You can send a written cease-and-desist letter by certified mail. After receipt, they may only contact you to confirm no further communication or to notify you of legal action.
Can I sue AAA Collectors for harassment or violations?
Yes. If they violate the FDCPA, TCPA, or state laws, you may sue for statutory damages, actual damages, and attorney fees.
Where can I report illegal behavior by AAA Collectors?
Complaints can be filed with the CFPB, FTC, your state attorney general, and the Better Business Bureau.
