Access Receivables Management Phone Harassment?
Is Access Receivables Management (ARM) calling you? Stop Access Receivables Management 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. As a consumer, you have the right to be treated with respect by debt collectors, and any behavior that violates this standard is not allowed under the FDCPA. You have the legal right to stop ARM phone harassment. Understanding your rights can help you regain control over your financial situation and peace of mind. Under the FDCPA, you can formally request Access Receivables Management to stop contacting you, empowering you to take action against unwanted communication. 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 a process where third-party collection agencies, such as Access Receivables Management, work to recover unpaid debts on behalf of original creditors. These debts can originate from a variety of sources, including financial institutions, healthcare providers, and utility companies. When a debt goes unpaid, companies may turn to collection agencies to manage the recovery process. Understanding how debt collection works—and your rights under the Fair Debt Collection Practices Act (FDCPA)—is crucial. This knowledge can help you navigate calls from Access Receivables Management, respond appropriately, and protect yourself from unfair or illegal collection practices. Whether you’re dealing with debts owed to banks, hospitals, or service providers, being informed about the collection process and your rights as a consumer is the first step toward resolving any issues and regaining control of your financial situation.
Understanding Fair Debt Collection Practices
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive, deceptive, and unfair debt collection practices. Debt collectors, including Access Receivables Management, are required to follow strict guidelines when attempting to collect debts. These fair debt collection practices include providing you with a written notice of the debt, verifying the debt if you request it, and allowing you to dispute the debt if you believe it is incorrect. The FDCPA prohibits debt collectors from using false or misleading statements, engaging in aggressive collection tactics, or sharing information about your debt with third parties. By understanding your rights under this federal law, you can better protect yourself from harassment and ensure that any collection efforts are conducted respectfully and legally.
Is Access Receivables Management a Scam?
According to the Better Business Bureau website, Access Receivables Management has been in business for 19 years. There have been 12 complaints filed against ARM with the BBB. These complaints reflect the experiences of customers who have interacted with Access Receivables Management.
Access Receivables Management Better Business Bureau
Who is Access Receivables Management?
Access Receivables Management is third party debt collector located in Hunt Valley, Maryland. Access Receivables Management specializes in debt collection for industries such as healthcare, finance, and telecom. ARM has been a party to a Federal Court case over 15 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: 11350 McCormick Rd, EPIII, Ste 800
Hunt Valley, MD 21031-1002
Phone: (443) 578-4444
Debt collection agencies like Access Receivables Management play a significant role in the recovery of unpaid debts for various businesses.
Access Receivables Management is often referred to or searched for by other names. These include:
access receivables management, access receivables, access debt collection
Access Receivables Management Collection Tactics
If Access Receivables Management 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
- Threatening wage garnishment without proper legal process.
During the first contact, debt collectors are required to provide certain information about the debt. Under the FDCPA, debt collectors must send a written validation notice within five days of first contact. This notice should include details necessary for the consumer to request validation of the debt.
Access Receivables Management Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
443-578-4444, 877-276-8600, 410-583-8601, 866-765-3310, 866-765-3300, (443) 578-4444, (877) 276-8600, (410) 583-8601, (866) 765-3310, (866) 765-3300, 4435784444, 8772768600, 4105838601, 8667653310, 8667653300
If the answer is yes, then you are receiving calls from a known ARM number. You may be a victim of ARM phone harassment. The list above is not all the numbers that ARM uses. The calls can be from a different number and it still be Access Receivables Management calling you. Contact our office right away so we can start the process to stop ARM from calling you illegally. Above all, no one should live with harassment!
Credit Report and Debt Collection
When Access Receivables Management is involved in collecting a debt, they may report the account to credit bureaus, which can have a significant impact on your credit report and overall credit health. It’s important to regularly review your credit report to ensure that all information reported by Access Receivables Management is accurate. If you notice any errors or discrepancies, you have the right to dispute them and request corrections. Working with a reputable credit repair company can also help you navigate the process, address inaccuracies, and improve your credit standing. Staying proactive about your credit report is essential for maintaining financial stability and addressing any issues related to debts managed by collection agencies.
Resolving Debt Collection Disputes
If you find yourself in a dispute with Access Receivables Management over a debt, there are several steps you can take to resolve the issue. One option is to send a goodwill letter, politely requesting that the debt be removed from your credit report, especially if you have a history of timely payments or have experienced financial hardship. While this approach is not always successful, it can open a line of communication with the debt collector. You may also consider negotiating a settlement to resolve the debt for less than the full amount owed. If you are experiencing harassment or feel your rights under the FDCPA are being violated, seeking legal assistance from a law firm or attorney can help protect your interests and ensure the dispute is handled properly. Remember, you have specific rights under the FDCPA, and you do not have to face aggressive collection tactics alone.
Goodwill Letter
A goodwill letter is a written request you can send to a debt collector like Access Receivables Management, asking them to remove a negative debt entry from your credit report. In your letter, briefly explain your situation—such as a temporary financial hardship or a strong payment history—and politely request that the debt be removed as a gesture of goodwill. Be sure to include your contact information for any follow-up. While a goodwill letter does not guarantee that the debt will be removed, it can sometimes lead to a positive outcome and help you resolve disputes with the debt collector. Always remember to protect your rights under the FDCPA when communicating with debt collectors, and consider seeking professional advice if you are unsure how to proceed.
Common Questions
Is ARM a scam? No, Access Receivables Management has been in business for 19 years.
Can Access Receivables Management garnish my wages? Yes, ARM can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Wage garnishment is a legal process that must follow specific rules.
Can ARM sue me? Yes, ARM can sue you so long as the debt is within the statute of limitations. Consumers can seek legal assistance if they believe their FDCPA rights have been violated.
Can ARM report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. These debts may appear on your credit reports, and you have the right to dispute any inaccuracies.
Can ARM 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. Only the original creditor or a court can initiate certain legal actions.
The following is a sample list of complaints filed against Access Receivables Management in the past and can be found on Pacer.org.
1:19-cv-01927 Martinez v. Access Receivables Management
1:10-cv-03192-ELH Danoff v. Access Receivables Management
2:12-cv-11209-BAF-MKM Buckner v. Access Receivables Management
2:05-cv-00536-MMB Narasaki v. Access Receivables Management
1:16-cv-04102-RDB Thomes v. Access Receivables Management
If you are unsure about the legitimacy of a debt, you can request information about the original creditor in writing. You also have the right to request validation of the debt in writing within thirty days of first contact. Paying debts or negotiating a settlement may not always result in the debt being removed from your credit reports, even if the debt is paid. A reputable law firm can assist you in disputing debts, seeking validation, and protecting your FDCPA rights.
About Us
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our firm uses innovative approaches to help clients stop debt collection harassment and resolve disputes effectively. Rather than suffer alone, contact our office to begin the process to stop the Access Receivables 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 Receivables Management 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!!”
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