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. Read more here: Academy Collection Service Better Business Bureau.
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:
- ➤ 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, or destroy your credit
- ➤ 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
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.
Complaints Against Academy Collection Service
The following is a sample list of complaints filed against Academy Collection Service in the past year and can be found on Pacer.gov.
- 📋 3:91-cv-00219-TFGD Kimberly v.
- 📋 3:94-cv-01807-AHN Reilly v.
- 📋 1:93-cv-00325-MMS Owens v.
- 📋 8:04-cv-01274-EAK-TBM Brazier v.
- 📋 1:03-cv-01294-MHS Finch 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 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.
Success Stories
- 🏆 I recently brought a case to Matthew in regards to a debt I had. He was diligent in handling the case and was very communicative regarding what to expect. He was able to get great results and quick results at that. I highly recommend calling if you need help and are still debating.
- 🏆 Great law firm. Was being harassed with phone calls for a bill that wasn’t even due yet. Typed in the number that kept calling me and I found their website. Sure enough, after that day I’ve not had another phone call from them since. They even got my balance remaining on the account to disappear. I really appreciate them, and if my situation sounds similar to yours, definitely give them a call and they will take care of you.
- 🏆 A huge thank you. A creditor had harassed and treated me. So I call Matthew at Consumer Rights, only hopping to have the calls stop. It turned out the creditors had to pay us. Don’t be harassed, call them.
Frequently Asked Questions
1. Who is Academy Collection Service?
Answer: Academy Collection Service is a debt collection agency that collects on behalf of creditors. Many consumers have reported receiving repeated collection calls, which may amount to harassment if done improperly.
2. Can Academy Collection Service call me repeatedly in one week?
Answer: Under federal law, debt collectors cannot place repeated or continuous calls which annoy or harass you. For example, calling more than seven times for the same debt in a seven-day period creates a presumption of harassment.
3. Are there limits on what time of day Academy Collection Service can phone me?
Answer: Yes. Debt collectors generally can’t call before 8 a.m. or after 9 p.m. local time unless you’ve agreed otherwise. They also must respect times and places that you’ve told them are inconvenient (e.g. your workplace).
4. Can they contact me at work about my debt?
Answer: No, if you have informed them that you are not allowed to receive calls at work, they must stop calling you there. Otherwise, contact at your workplace may be considered harassment.
5. Can Academy Collection Service threaten to sue me or garnish my wages if they haven’t sued?
Answer: No. Debt collectors cannot make false threats of legal action, wage garnishment, or arrest unless they actually intend to do so and it’s lawful. Such threats may violate consumer protection laws.
6. What should I do if Academy Collection Service is harassing me by phone?
Answer: Document all calls (dates, times, what was said), request communication in writing, and send a cease-and-desist letter demanding they stop calling. You may also consult a consumer rights attorney.
7. Can I dispute the debt claimed by Academy Collection Service?
Answer: Yes. You have the right to dispute the debt within 30 days of receiving a validation notice. The collector must then provide evidence of the debt before continuing collection.
8. How do federal laws protect me from Academy Collection Service harassment?
Answer: The Fair Debt Collection Practices Act (FDCPA) and related rules limit how, when, and how often a debt collector can contact you, prohibit harassment, false representations, and require validation of the debt.
9. Can I sue Academy Collection Service for phone harassment?
Answer: Yes, if they violate the FDCPA or similar laws, you may be entitled to statutory damages (for example up to $1,000) plus actual damages, attorney’s fees, and court costs.
10. How can I report Academy Collection Service for violating my rights?
Answer: You can file a complaint with the (CFPB), your state Attorney General’s office, or the Better Business Bureau (BBB). You may also bring a private lawsuit.