Academy Collection Service Phone Harassment?
*Is Academy Collection Service (ACS) calling you?*Stop Academy Collection Service 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? Some consumers have been abused or harassed by debt collectors using illegal tactics. Debt collectors are prohibited from abusing or harassing consumers while attempting to collect debts. Even if you owe money, you are protected from abusive collection practices. If so what they are doing is illegal and needs to stop. You have the legal right to stop ACS 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.
Is Academy Collection Service a Scam?
According to the Better Business Bureau website, Academy Collection Service has been in business for 22 years.
Academy Collection Service
Who is Academy Collection Service?
Academy Collection Service is a third party debt collector located in Las Vegas, Nevada. They have been a party to over 360 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Academy Collection Service is involved in collecting debts on behalf of creditors. Furthermore, a recent Federal Court case alleges that Academy Collection Service used illegal and harassing communication tactics to attempt to coerce a payment from the consumer regarding alleged debts. Consumers may have the right to dispute a claim made by the collection agency. Some consumers may consider bankruptcy as a legal option if they are unable to resolve their debts.
Address: 10965 Decatur Road
Philadelphia, PA 19154-3210
Academy Collection Service Collection Tactics
If Academy Collection Service engages in any of the following tactics, you may have a case:
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling your workplace
Reputable agencies may instead offer a payment plan to help you pay your debts without harassment. The agency’s compliance department is responsible for ensuring that collection tactics do not violate the law.
Consumer Rights and Protections When Dealing with Debt Collectors
Dealing with debt collectors can be an intimidating and stressful process, especially when faced with abusive debt collectors who use unfair debt collection practices. As a consumer, it’s crucial to understand your rights and the protections available to you under the law. The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to shield consumers from abusive, harassing, or deceptive tactics by debt collectors and collection agencies.
When a debt collector contacts you about a debt, they are required by law to provide you with specific information, including the amount you allegedly owe, the name of the original creditor, and a notice that you have the right to dispute the debt within 30 days. If you request it, the debt collector must send you written verification of the debt before they can continue to collect. This process helps protect you from mistakes, such as being contacted for a debt you do not owe.
Abusive debt collectors are prohibited from using threatening or abusive language, calling you repeatedly, or contacting your family members, friends, or neighbors about your debt. They cannot threaten to arrest you, seize your wages, or take legal action unless they actually intend to do so. Such abuse is not only unethical but also illegal under the FDCPA and other consumer protection laws.
To protect yourself, always keep a detailed record of every interaction with a debt collector. Note the dates, times, and content of each call or letter. If you need to dispute a debt or request more information, send your request in writing via certified mail with a return receipt. This provides proof that your request was received and can be vital if you need to pursue legal action against a collection agency for violations.
If you feel harassed or threatened by a debt collector, you have the right to seek help from a knowledgeable law firm or law office that specializes in consumer rights and debt collection abuse. Attorneys experienced in this area can help you understand your rights, represent you in disputes, and, if necessary, file complaints or lawsuits to stop the harassment and recover damages.
In addition to the FDCPA, agencies like the (CFPB) offer resources and accept complaints from consumers who have experienced illegal or abusive debt collection practices. You can also reach out to your state’s Attorney General for assistance.
Remember, companies like Academy Collection Service and other collection agencies must follow these laws. If you are contacted by a debt collector, know that you have the right to be treated with respect and fairness. By understanding your consumer rights, keeping thorough records, and seeking legal advice when needed, you can protect yourself from abusive debt collection practices and ensure your rights are upheld throughout the debt collection process.
Common Questions
Is ACS a scam? No, Academy Collection Service has been in business for 22 years.
Can Academy Collection Service garnish my wages? Yes, ACS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can ACS sue me? Yes, ACS can sue you so long as the debt is within the statute of limitations
Can ACS report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can ACS 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 Academy Collection Service in the past year and can be found on Pacer.org.
3:91-cv-00219-TFGD Kimberly v. Academy Collection Service
3:94-cv-01807-AHN Reilly v. Academy Collection Service
1:93-cv-00325-MMS Owens v. Academy Collection Service
8:04-cv-01274-EAK-TBM Brazier v. Academy Collection Service
1:03-cv-01294-MHS Finch v. Academy Collection Service
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 the Academy Collection Service 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 Transworld, Inc. call us at (877)700-5790 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!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
