AAA Credit Service Collection Agency Phone Harassment?
Is AAA Credit Service Collection Agency (ACSCA) calling you? Stop their 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 to stop ACSCA 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. However, if you do not respond to a lawsuit, you may be responsible for additional costs such as legal fees and court expenses.
It is important to respond to collection actions promptly to avoid losing valuable time and facing default judgments, which can result in further financial consequences.
Are they a Scam?
According to the Better Business Bureau website, they have been in business for 20 years. There have been 6 complaints filed against ACSCA with the BBB. The agency’s reputation is reflected in its BBB profile and customer feedback, which provide insight into its credibility and how it handles complaints.
AAA Credit Service Collection Agency
Who are they?
AAA Credit Service Collection Agency, Inc. is a third party debt collector located in Anaheim, California. Many consumers may not realize that they have rights when dealing with agencies like AAA Credit Service Collection Agency, Inc. ACSCA has been a party to a Federal Court case several 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.
Address: 520 N Brookhurst St #204
Anaheim, CA 92801-5236
Phone: (714) 956-1100
What are their Tactics
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling your workplace
AAA Credit Service Collection Agency Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
714-956-1100, 714-956-7173, (714) 956-1100, (714) 956-7173, 7149561100, 7149567173
If the answer is yes, then you are receiving calls from a known ACSCA number. You may be a victim of ACSCA phone harassment. The list above is not all the numbers that ACSCA uses. The calls can be from a different number and it still be AAA Credit Service Collection Agency calling you. Contact our office right away so we can start the process to stop ACSCA from calling you illegally. The process to stop this harassment is easy and can be started by following a few simple steps. Just follow the prompts or instructions provided by our office to ensure the process is completed successfully. Above all, no one should live with harassment!
Common Questions
Is ACSCA a scam? No, they have been in business for 20 years.
Can they garnish my wages? Yes, ACSCA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can ACSCA sue me? Yes, ACSCA can sue you so long as the debt is within the statute of limitations. If you are unable to pay the full amount, you may be able to negotiate a settlement by making an offer to pay a reduced amount to resolve the debt.
Can ACSCA report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can ACSCA 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 AAA Credit Service Collection Agency in the past and can be found on Pacer.org.
8:15-cv-00268-JVS-DFM Aaron Estrada v. AAA Credit Service Collection Agency
2:10-cv-00266-CI Feulner v. AAA Credit Service Collection Agency
3:09-cv-01093-H-JMA Harris v. AAA Credit Service Collection Agency
8:15-cv-01784-CJC-DFM Jennifer Jones v. AAA Credit Service Collection Agency
1:09-cv-01187-LJO-GSA Brooks et al v. AAA Credit Service Collection Agency
Protecting Yourself from Harassment
Dealing with phone harassment from a collection agency like AAA Credit Service Collection Agency can be overwhelming, but understanding your rights is the first step toward protecting yourself. The Fair Debt Collection Practices Act (FDCPA) sets clear guidelines for how debt collectors and credit service collection agencies must conduct themselves when attempting to collect a debt. Under these fair debt collection practices, you have the right to be treated with respect and to demand that any communication from a debt collector remains professional and within the law.
If you feel that a debt collector is crossing the line—whether by calling you at unreasonable hours, using threatening language, or contacting you at work—you have options. One effective way to stop unwanted contact is to send a written cease and desist letter to the collection agency. This letter formally requests that the company stop contacting you about the debt. If the calls or letters continue after your request, you can report the behavior to the Better Business Bureau (BBB), the Federal Trade Commission (FTC), or your state’s Attorney General’s office. These organizations can investigate and take action against companies that violate fair debt collection practices.
It’s also important to be knowledgeable about your specific situation. Debt collectors, including AAA Credit Service, are not allowed to make false claims about what might happen if you don’t pay, such as threatening arrest or legal action they don’t intend to pursue. If you’re unsure about the debt or cannot afford to pay, don’t let intimidation tactics pressure you into making payments you can’t manage. Instead, consider reaching out to a professional, such as a credit counselor or an attorney, who can help you understand your rights and the best way to respond.
California residents benefit from additional protections under state law, which further restricts unfair or deceptive practices by service collection agencies. If you live in California and are experiencing harassment, you can contact the California Department of Business Oversight for guidance and support.
Remember, you are not alone in dealing with debt collection issues. Take advantage of resources like the BBB (www.bbb.org) and the FTC (www.ftc.gov) to learn more about your rights and how to file a complaint if necessary. You can also visit the AAA Credit Service Collection Agency’s website at www.aaacredit.com or contact them directly by phone or email to discuss your case and explore your options for resolving the debt.
By staying informed and taking proactive steps, you can ensure that your rights are protected and that any attempt to collect a debt is handled fairly and respectfully. Don’t hesitate to seek help if you need it—your financial well-being and peace of mind are important.
About Us
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 their harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Our Better Business Bureau Profile
If you are interested in learning more about how to safeguard yourself and prevent harassment from them. 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”.
“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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