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. Read more here: 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 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 different phone numbers 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.
Complaints Against Access Receivables Management
The following is a sample list of complaints filed against Access Receivables Management in the past and can be found on Pacer.gov.
- 📜 1:19-cv-01927 Martinez v.
- 📜 1:10-cv-03192-ELH Danoff v.
- 📜 2:12-cv-11209-BAF-MKM Buckner v.
- 📜 2:05-cv-00536-MMB Narasaki v.
- 📜 1:16-cv-04102-RDB Thomes v.
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.
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. 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.
Success Stories
- 🏆 I ran into several financial hardships over the last few years. Constantly harassed by a company to pay up on fees owed that I wasn’t entirely sure were owed… because I was so overwhelmed. Scott and his crew came to my rescue. I was a bit unsure first wondering if it was a scam.:. But it was not! Scott got my close to $1,000 debt dropped and had the company pay the lawyer fees. I also haven’t received anymore harassing phone calls from the company that was trying to collect the debt. Thank you so much Scott!
- 🏆 I reached out needing help. Scott contacted me right away and reassured me everything was going to be ok. And took care of all my worries. He was an amazing help and I’m grateful for his service. And they guaranteed I would not have to pay a dime. Very thankful.
- 🏆 Matt and Derek worked as a team to get me a fair and adequate solution for my concern. They kept me updated throughout the whole process and answered any questions I had. I would highly recommend them.
Frequently Asked Questions
Q1: Who is Access Receivables Management?
A: Access Receivables Management is a debt collection agency that contacts consumers on behalf of original creditors or debt buyers to recover past due balances.
A: Phone harassment by Access Receivables Management may include repeated calls, threats, using abusive language, calling at inconvenient times, or contacting you after you asked them to stop.
A: Under U.S. debt collection rules, a debt collector may not place repeated or continuous telephone calls with the intent to harass. The CFPB presumes a violation if calls exceed seven times in seven days regarding the same debt.
A: No. Debt collectors are generally prohibited from calling you before 8 a.m. or after 9 p.m., unless you expressly agree to that time frame.
A: If you inform the collector (or your employer) that calls to your workplace are not allowed, further calls there may violate the law. Collectors may only call your employer to verify employment, not to discuss your debt.
A: No, debt collectors cannot legally threaten lawsuits, wage garnishment, or arrest unless they actually intend to take the action and it’s legally permitted. False threats can violate the Fair Debt Collection Practices Act.
A: Yes. You can send a cease and desist letter (in writing) asking them to stop contacting you. After that, they may only contact you to confirm they will stop further communications or to inform you of legal actions.
A: Yes. Within 30 days of the first collection notice, you may send a written dispute. The collector must then validate the debt (provide proof) before continuing collection efforts.
A: Yes. The Fair Debt Collection Practices Act (FDCPA) prohibits harassing, deceptive, and unfair debt collection practices. The Telephone Consumer Protection Act (TCPA) also limits certain kinds of calls (e.g., autodialed, prerecorded) to cell phones without consent.
A: Yes, if they violate the FDCPA or TCPA, you may be entitled to statutory damages (e.g. up to $1,000) plus actual damages, attorney’s fees, and costs.