Access Credit Management Phone Harassment?
Is Access Credit Management (ACM) calling you? Stop Access Credit Management phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or repeatedly throughout the 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 ACM 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 Access Credit Management a Scam?
According to the Better Business Bureau website, they have been in business for 29 years. The BBB has received 2 complaints against ACM. Read more here: Access Credit Management.
Who is Access Credit Management?
They are a third party debt collector located in Little Rock, Arkansas. ACM has been a party to a Federal Court case over 100 times.
🏛️ Address: 200 S University Ave STE 205 Little Rock, AR 72205-5230
☎️ Phone: (501) 664-2922
For more information or additional contact details, you can visit the official Access Credit Management page.
Access Credit Management Collection Tactics
If you are being contacted by ACM about a debt, it’s important to understand your options. Some consumers may choose to negotiate a lump-sum payment or set up ongoing payments to settle their debt for less than the full amount owed. These payments are often made as part of a settlement agreement with ACM, and can be an effective way to resolve outstanding balances.
If you believe the debt is not valid or you want the calls to stop, you should send a dispute letter or a cease-and-desist letter to ACM. Sending these letters, preferably via certified mail, can help protect your rights and provide proof of your communication.
Access Credit Management Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 501-664-2922
- 📲 (501) 664-2922
- 📲 5016642922
If the answer is yes, then you are receiving calls from a known ACM number. You may be a victim of ACM phone harassment. The list above is not all the numbers that ACM uses. The calls can be from different phone numbers and it still be Access Credit Management calling you. ACM may also make personal calls to your workplace, but you have rights to stop such personal calls by notifying them in writing. Contact our office right away so we can start the process to stop ACM from calling you illegally. Above all, no one should live with harassment!
Your Rights and Protections Against Harassment
When you’re dealing with debt collectors like Access Credit Management, it’s crucial to know your legal rights and the protections available to you. The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to shield consumers from abusive or deceptive collection tactics. Under the FDCPA, a collection agency such as Access Credit Management cannot use threats, repeated calls, or misleading statements to pressure you into paying a debt.
If you feel harassed by Access Credit Management, you have the legal right to demand that the collection agency stop contacting you. One effective way to do this is by sending a cease-and-desist letter via certified mail. This creates a paper trail and serves as proof that you’ve formally requested the calls to stop. Always keep a copy of your letter and the certified mail receipt for your records.
Debt collectors are also restricted from contacting you at your place of work if you inform them—either verbally or in writing—that your employer does not allow such calls. If Access Credit Management continues to call your employer or you at work after being told to stop, this could be grounds for legal action.
The Better Business Bureau (BBB) is a helpful resource for checking the reputation of a collection agency like Access Credit Management. You can visit the BBB website to review complaints or file your own if you believe you’re being harassed. This can help protect not only your rights but also alert others to unfair business practices.
In addition to the FDCPA, other laws such as the Telephone Consumer Protection Act (TCPA) and regulations from the (CFPB) further protect you from unwanted calls and abusive tactics. If you’re unsure about your rights or need help dealing with Access Credit Management, consider reaching out to a professional—such as a certified credit counselor or a consumer rights attorney. These experts can guide you through the process, help you respond in writing, and ensure your rights are protected.
Remember, you are not required to tolerate harassment from any collection agency. You can request proof of the debt, dispute any information you believe is incorrect, and check your credit report to verify what you actually owe. If you’re contacted by Access Credit Management, always document every call, letter, or email you receive. This documentation can be vital if you need to take further action.
Standing up for your rights is the first step in stopping harassment and taking control of your financial situation. Don’t let Access Credit Management or any debt collector intimidate you—know your rights, take action, and seek help if you need it.
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 Access Credit Management 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 Access Credit Management. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I would HIGHLY RECOMMEND this firm!!! Consumer Rights Law Firm is the best if you are being harassed by a debt collector. This is my first time working with them and I have been treated with the upmost respect. They do guarantee that there is no out of pocket costs IN WRITING and that is definitely the truth! I didn’t have to pay out of pocket for their services. They were so responsive and answered all my questions!!!!
- 🏆 I had a great experience with this law firm. They helped immediately stop the harassment from creditors I was receiving, and they guaranteed no out-of-pocket expenses in writing. I would recommend anyone being harassed by creditors contact this law firm. They are the best.
- 🏆 I’m so Thankful I found this law firm. They were very professional. They answered all of my questions and put my mind at ease. They guaranteed in writing that there would be no out of pocket cost from me at all. I would recommend this firm to anyone. They get the job done.
Frequently Asked Questions
1. Who is Access Credit Management?
Access Credit Management is a debt collection agency that contacts individuals and businesses to recover outstanding debts on behalf of creditors.
2. Why is Access Credit Management calling me?
They are likely attempting to collect a debt they believe you owe. However, you have the right to request written verification of the debt and dispute it if necessary.
3. What are signs of phone harassment by Access Credit Management?
Frequent or repeated calls, threats, using abusive language, calling at odd hours, or ignoring requests to stop can all be considered harassment under the Fair Debt Collection Practices Act (FDCPA).
4. How can I stop Access Credit Management from harassing me?
You can send a cease-and-desist letter, file a complaint with the CFPB or FTC, and consult a consumer rights attorney to explore your legal options.
5. Can Consumer Rights Law Firm PLLC help with Access Credit Management phone harassment?
Yes. Consumer Rights Law Firm PLLC helps consumers stop unlawful debt collection harassment. They may also help you pursue compensation for FDCPA violations.
6. Do I have to pay Access Credit Management immediately?
No, you have the right to verify the debt first. You are not obligated to make a payment until you receive written proof of the debt and confirm its validity.
7. Can Access Credit Management report debts to credit bureaus?
Yes, unpaid debts may be reported to credit bureaus, which can negatively affect your credit score, but they must follow the Fair Credit Reporting Act (FCRA).
8. What should I include in a cease-and-desist letter to Access Credit Management?
Include your full name, account or reference number, a clear statement that you wish them to stop contacting you, and send it via certified mail for proof.
9. Is it legal for Access Credit Management to call my workplace?
Debt collectors may call your workplace unless you explicitly tell them (verbally or in writing) not to do so. After that, continued calls may violate the FDCPA.
10. What damages can I claim if Access Credit Management violates the FDCPA?
You may be entitled to statutory damages up to $1,000, plus attorney’s fees and compensation for emotional distress or financial harm caused by unlawful practices.
