Absolute Credit LLC Phone Harassment?
Is Absolute Credit (AC) calling you? Stop Absolute Credit LLC 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 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.
Introduction to Debt Collection
Debt collection is the process of pursuing the payment of debts owed by individuals or businesses. Debt collection agencies, like Absolute Credit LLC, play a significant role in this process. Understanding debt collection and the laws surrounding it is essential for both consumers and businesses.
Understanding Debt Collectors
Debt collectors are companies or individuals that specialize in collecting debts on behalf of creditors. They may use various tactics to collect debts, including phone calls, letters, and emails. However, debt collectors must comply with federal laws, such as the Fair Debt Collection Practices Act (FDCPA), which regulates their behavior and protects consumers from harassment and abuse.
Managing Debt
Managing debt effectively is crucial to avoiding debt collection. Consumers can take steps to manage their debt, such as creating a budget, prioritizing payments, and communicating with creditors. Debt relief options, like debt consolidation or credit counseling, may also be available. It’s essential to understand the different types of debt, including credit card debt, loans, and outstanding debts, to develop an effective debt management plan.
Is Absolute Credit LLC a Scam?
According to the Better Business Bureau website, Absolute Credit has been in business for 13 years. There have been 9 complaints filed against AC with the BBB.
Who is Absolute Credit LLC?
Absolute Credit is a third party located in Bangor, Maine. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards by credit card companies. A recent Federal Court case alleges that Absolute Credit LLC used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. This includes continuing collection efforts even after the consumer filed for bankruptcy.
🏛️ Absolute Credit LLC Address: 175 Exchange Street Bangor, ME 04401-6537
📞 Phone: (800) 680-5000.
Additionally, consumers should be aware of their rights to dispute inaccuracies reported by any credit reporting agency.
Absolute Credit LLC Collection Tactics
Absolute Credit LLC, like many debt collection agencies, may use various tactics to collect debts. These tactics may include repeated phone calls, letters, and emails. However, if Absolute Credit engages in harassment or abusive behavior, consumers may have grounds for a complaint. Understanding the tactics used by debt collectors can help consumers protect themselves and assert their rights.
Absolute Credit Phone Harassment Examples
If Absolute Credit engages in any of the following tactics, you may have a case:
- 🚫 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, destroy your credit, or use illegal tactics to extract payments
- ❌ 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
- 📉 Failing to keep accurate details of your credit report and debt collection processes
- 📄 Ignoring your disputed claims about inaccuracies in your debt
- 🚨 Refusing to honor a formal cease and desist letter
- 📵 Continuing to call you after you have requested them to stop calling
Absolute Credit Phone Numbers
📲 Are you receiving any harassing phone calls on your cell phone from any of the following numbers?
- 800-680-5000
- 207-973-1730
- (800) 680-5000
- (207) 973-1730
- 8006805000
- 2079731730
If the answer is yes, then you are receiving calls from a known AC number. You may be a victim of AC phone harassment. The list above is not all the phone numbers that AC uses. The calls can be from different numbers and it still be Absolute Credit calling you. Contact our office right away so we can start the process to stop AC from calling you illegally. Above all, no one should live with harassment!
Credit Report Impact
Debt collection can significantly impact credit reports. When a debt is sent to a collection agency, it can be reported to the credit bureaus, which can lower credit scores. Consumers have the right to dispute inaccurate information on their credit reports and may be able to negotiate with the creditor or collection agency to remove the debt from their report. The Fair Credit Reporting Act (FCRA) regulates the use of credit reports and provides consumers with protections against inaccurate or misleading information.
Collection Calls and Federal Laws
Collection calls are a common tactic used by debt collectors. However, federal laws, such as the FDCPA and the Telephone Consumer Protection Act (TCPA), regulate the frequency and content of these calls. Consumers have the right to stop collection calls and may be able to sue debt collectors for harassment or abuse. Understanding federal laws and regulations can help consumers protect themselves from unwanted calls and assert their rights. The Better Business Bureau (BBB) and other consumer protection agencies can provide guidance and support for consumers dealing with debt collectors.
Common Questions
Is AC a scam?
No, Absolute Credit has been in business for 13 years.
Can Absolute Credit garnish my wages?
Yes, AC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can AC sue me?
Yes, AC can take legal actions and have you sued as long as the debt is within the statute of limitations.
Can AC report my debt to the collections bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report.
Can 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.
The following is a sample list of complaints filed against Absolute Credit in the past year and can be found on Pacer.gov.
- 📋 2:18-cv-01131-DCN Greene v.
- 📋 1:09-cv-11772-JLT Reed v.
- 📋 1:10-cv-00052-JL Lombard v.
- 📋 1:15-cv-00089-AJ Zyliak v.
- 📋 1:14-cv-05048-FB-MDG James v.
About Us
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 Absolute Credit LLC harassment. Our office has been assisting consumers since 2010. We offer a free consultation to help you understand your rights and options without any financial risk. If you believe you have a potential case against debt collectors under laws like the TCPA or EFTA, we can provide the legal support you need. 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 Absolute Credit call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 Absolute Credit LLC was calling me nonstop—sometimes 10 times a day—even after 9 p.m. They threatened to garnish my wages and told my coworker about my debt, which was humiliating. I reached out to Consumer Rights Law Firm PLLC, and within days, they sent a cease-and-desist letter. Not only did the harassment stop, but the firm also filed an FDCPA lawsuit on my behalf. I received $1,000 in damages, and Absolute Credit had to cover all legal fees. The team was professional, responsive, and truly fought for my rights. If you’re being harassed, don’t wait—call them!
- 🏆 Absolute Credit LLC kept demanding payment for a debt I didn’t recognize. They called my family and left voicemails saying I’d be sued. Consumer Rights Law Firm PLLC stepped in, demanded debt validation, and Absolute Credit couldn’t prove I owed anything! The firm forced them to remove the false entry from my credit report and secured a $1,500 settlement for illegal robocalls. Their expertise saved me from paying a bogus debt and restored my peace of mind. Highly recommend!
- 🏆 Absolute Credit’s calls were relentless—early mornings, late nights, even at my job. One agent cursed at me and threatened arrest. Consumer Rights Law Firm PLLC documented every violation (FDCPA, TCPA) and sued. The result? Absolute Credit paid me $4,000 in damages, deleted the collection from my credit report, and the calls stopped forever. The firm’s no-fee policy (the collector covers costs) made it risk-free. If you’re suffering, don’t endure it—let these professionals help!
