🚨Accounts Advocate Agency, Inc. Debt Collection Harassment
Tired of Accounts Advocate Agency Debt Collection Harassment? Wish there was a way to make the calls stop? Is Account Advocate Agency constantly calling and harassing you? Does your phone ring every day, several times per day, because Account Advocate Agency is calling you to demand payment? Threatening you with legal action? Has Account Advocate Agency ever used abusive or profane language when speaking with you on the phone? If so, Account Advocate Agency may be violating your legal rights. Stop the harassment. One effective way to stop the harassment is to send a cease and desist letter to the debt collector. Federal law, specifically the Fair Debt Collection Practices Act (FDCPA), provides protections against such harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Accounts Advocate Agency a Scam?
According to the Better Business Bureau website, Accounts Advocate Agency, a debt collection agency, has been in business for 4 years. There have been 3 complaints filed against AAA with the BBB.
Understanding your consumer rights can help you determine whether a debt collection agency is operating within the law.
Who is Account Advocate Agency Debt Collection Agency?
Account Advocate Agency is third party debt collector located in Hamburg, Pennsylvania. They specialize in ambulance, medical, dental, veterinary, and commercial debts. A recent Federal Court cases alleges that Account Advocate Agency used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
The agency has faced numerous harassment complaints from consumers who have been subjected to their aggressive tactics.
The Fair Credit Reporting Act (FCRA) protects consumers’ rights regarding how debts are reported on their credit reports.
Address: 510 N Park Rd Ste 1 Wyomissing, PA 19610-2941 Phone: (610) 743-5759
Account Advocate Agency also goes by the name The Debt Mediators.
Account Advocate Agency Debt Collection Harassment Tactics
If Account Advocate Agency engages in any of the following tactics, you may have a case. The Fair Debt Collections Practices Act (FDCPA) prohibits debt collectors from using harassing tactics, including making repeated phone calls with the intent to annoy or abuse the debtor:
- Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
- Talking to others about your debt
- Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
- Use any profane language or any language that is harassing and abusive
- Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
- Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
- Threaten arrest or criminal prosecution
- Send false information to the credit bureaus
- Cause a telephone to ring an unreasonable amount of times
If you are a victim of these tactics, you have legal recourse to stop the harassment and seek damages.
📲Account Advocate Agency Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
610-743-5697, 484-660-3681, 484-660-3857, 484-665-3477
If so, you may be a victim of Account Advocate Agency debt collection harassment. The list above is not all the numbers that Account Advocate Agency uses. Also, calls can be from a different numbers and it still be Account Advocate Agency calling you. Debt collector contact can be invasive and persistent, often involving multiple phone numbers. Contact our office right away so we can start the process to stop Account Advocate Agency from calling you illegally. Above all, no one should live with harassment.
Keeping a record of these phone numbers can serve as harassment evidence if you decide to take legal action.
Know Your Rights with Debt Collectors
As a consumer, it’s essential to understand your rights when dealing with debt collectors. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors and protects consumers from abusive and deceptive practices. This law ensures that debt collectors adhere to fair debt collection practices, providing you with a shield against harassment and unfair treatment.
What Rights Do You Have Regarding Debt Collectors?
Under the FDCPA, you have the right to:
- Be treated with respect and dignity: Debt collectors must conduct themselves professionally and refrain from using abusive or threatening language.
- Receive clear and accurate information: You are entitled to know the exact amount of the debt, the name of the creditor, and any other pertinent details.
- Dispute the debt: If you believe there is an error, you can dispute the debt and request verification. The debt collector must provide proof of the debt.
- Request cessation of contact: You can ask debt collectors to stop contacting you at work or during inconvenient times. They must comply with your request.
- Take legal action: If a debt collector violates the FDCPA, you have the right to sue them in court for damages, including statutory damages up to $1,000, plus attorney fees and court costs.
Debt Collectors Can’t Discuss Your Debt With Third Parties
Debt collectors are prohibited from discussing your debt with third parties, such as friends, family members, or employers. They can only contact third parties to obtain your location information, like your address or phone number. This provision ensures your privacy and prevents unnecessary embarrassment or stress caused by debt collection practices.
What If A Creditor Is Harassing You?
If a creditor is harassing you, you have several options to protect yourself. You can file a complaint with the (CFPB) or your state’s Attorney General’s office. Additionally, seeking assistance from a consumer law attorney can provide you with legal guidance and help you take appropriate action against the harassing creditor.
Can Accounts Advocate Agency Sue Me or Garnish My Wages?
Accounts Advocate Agency, like other debt collection agencies, has the power to sue you for unpaid debts. However, they must follow specific procedures and guidelines to do so. Understanding these legal powers can help you navigate the situation more effectively.
Understanding The Agency’s Legal Powers
Accounts Advocate Agency can sue you for unpaid debts, but they must:
- Send a written notice: They must provide you with a written notice of the debt, including the amount owed and the creditor’s name.
- Allow for dispute and verification: You have the right to dispute the debt and request verification. The agency must provide proof of the debt if you request it.
- Obtain a court judgment: Before they can garnish your wages or seize your assets, they must obtain a court judgment against you. This means they must take you to court and win the case.
It’s essential to understand that debt collectors, including Accounts Advocate Agency, are prohibited from making empty threats or using abusive language to collect debts. If you’re being harassed or threatened by a debt collector, you can file a complaint with the CFPB or your state’s Attorney General’s office.
Remember, as a consumer, you have rights and protections under the FDCPA. Don’t hesitate to reach out to a consumer law attorney or a credit counseling agency for assistance if you’re dealing with debt collector harassment or abuse. Knowing your rights and taking proactive steps can help you stop debt collection harassment and protect your financial well-being.
Dealing with Debt Collectors
When dealing with debt collectors, it’s essential to document all interactions, including written notices and call logs. This can help you keep track of the debt collector’s communications and provide evidence of any harassment or abuse. Here are some tips for documenting interactions:
- Keep a file of all written notices: Save all letters and emails from the debt collector in a dedicated file.
- Maintain a call log: Record all phone calls from the debt collector, noting the date, time, and details of the conversation.
- Take detailed notes: During phone calls, jot down the name of the debt collector, their company, and any agreements or promises made.
- Record payments: Keep a record of any payments made to the debt collector, including the date, amount, and method of payment.
- Consider recording phone calls: If your state laws allow, recording phone calls can provide additional evidence of the debt collector’s behavior.
By documenting interactions, you can protect yourself from debt collector harassment and abuse, and ensure that you have a clear record of all communications. This documentation can be invaluable if you need to take legal action to stop debt collection harassment. Understanding the collection practices of debt collectors can help you better document and respond to their actions.
🏛️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. Contact a legal professional to stop Account Advocate Agency debt collection harassment. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more Account Advocate Agency debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website. Our firm provides legal representation to help you fight against debt collector harassment and protect your rights.
🏆Success Stories
“I was being bombarded with aggressive calls and threats from Account Advocate Agency over a debt I didn’t even owe. The constant harassment was affecting my mental health. Thankfully, I reached out to Consumer Rights Law Firm PLLC, and they took immediate action. They sent a cease-and-desist letter, filed complaints with the CFPB and FTC, and even negotiated a complete dismissal of the alleged debt. The harassment stopped within weeks! If you’re being bullied by debt collectors, don’t hesitate—call these guys!”
“Account Advocate Agency kept calling me at work, violating the FDCPA. I tried dealing with them myself, but they wouldn’t stop. Consumer Rights Law Firm PLLC stepped in and not only made the calls stop but also sued the agency for illegal harassment. I ended up getting compensation for their violations! These attorneys know their stuff and fight hard for their clients. Highly recommend!”
“After Account Advocate Agency falsely reported a debt on my credit, my score dropped drastically. Consumer Rights Law Firm PLLC challenged the debt, proved it was invalid, and forced the agency to remove all negative marks. They also got them to pay me damages for their abusive tactics. If you’re dealing with shady debt collectors, this firm will protect your rights!”
FAQs
What is Accounts Advocate Agency and why are they calling me?
Accounts Advocate Agency is a third‑party debt collector contacting you about overdue accounts they’ve purchased or been assigned to collect.
Is Accounts Advocate Agency a legitimate debt collector or a scam?
They are a legitimate debt collector, but you should still request written debt validation to confirm the debt is accurate and truly yours.
Can Accounts Advocate Agency legally harass me with calls?
No. Under the FDCPA, they cannot use harassment, threats, obscene language, or repeated calls intended to disturb or annoy you.
How often can Accounts Advocate Agency call me and at what times?
They may only contact you between 8 a.m. and 9 p.m. local time and must avoid inconvenient times or places like your workplace if told it’s inappropriate.
Can they contact my family, friends, or coworkers?
They may only contact third‑parties once to obtain location info and cannot disclose you owe a debt or repeatedly call them.
What should I do if they keep calling me?
Document every call (dates, times, content), then send a written cease‑and‑desist letter. If they continue, report them to the CFPB, FTC, or hire an attorney.
Can I request proof that I owe the debt?
Yes. Under FDCPA you can dispute the debt in writing within 30 days of first contact and demand verification from the collector.
What happens if Accounts Advocate Agency violates the law?
You can sue them for FDCPA or TCPA violations and may be entitled to statutory damages, actual harm compensation, and legal fees.
Can their calls affect my credit score?
Yes. If they report the account to credit bureaus, it may negatively impact your credit. You can dispute incorrect info with credit agencies.
What if they used robocalls or caller ID spoofing?
These tactics may violate the Telephone Consumer Protection Act if done without consent. You can include this in your complaint to the FTC or CFPB.