Account Services Phone Harassment?
Is Account Services (AS) calling you? Stop Account Services 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. You have the legal right to stop AS phone harassment. If a collection agency violates the FDCPA or other federal laws, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
If you receive an unwanted call from Account Services, you can file a formal complaint with agencies such as the FCC or FTC. When you submit a complaint about an unwanted call, these agencies will respond by investigating the issue and taking appropriate enforcement actions if necessary.
Introduction to Debt Collection
Debt collection is a process where debt collectors or collection agencies work to recover unpaid debts from individuals or businesses. While debt collection is a legitimate business practice, it can quickly become overwhelming if debt collectors use unfair practices or cross the line into harassment. That’s why understanding fair debt collection practices is so important. The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits debt collectors from using abusive, deceptive, or unfair tactics when attempting to collect debts. This law protects consumer rights and ensures that both individuals and businesses are treated fairly throughout the debt collection process. Knowing your rights under the FDCPA, including your right to dispute debts, is the first step in defending yourself against unfair practices and maintaining control over your financial situation.
Understanding Consumer Rights
When dealing with debt collectors, it’s crucial to know your rights. The FDCPA gives consumers the right to be treated with respect and fairness during the debt collection process. Debt collectors are not allowed to make unwanted calls at unreasonable hours, use abusive language, or threaten legal action without proper grounds. If you believe a debt is inaccurate or unfair, you have the right to dispute it and request written validation. If you experience debt collection harassment, such as repeated unwanted calls or threats, you can report unwanted calls and file complaints with the Federal Trade Commission (FTC) or your state’s Attorney General. Protecting yourself starts with understanding your rights and taking action if those rights are violated. Don’t hesitate to report any calls or complaints about debt collection harassment to the appropriate authorities.
Is Account Services a Scam?
According to the Better Business Bureau website, Account Services has been in business for 54 years. Account Services is considered a legitimate company, and legitimate companies are different from scams because they operate lawfully, have proper licensing, and a long-standing reputation. There have been 14 complaints filed against AS with the BBB. Even legitimate companies can receive complaints, but this does not necessarily mean they are scams.
Account Services Better Business Bureau
Who is Account Services?
Account Services is a debt collection agency and third-party debt collector located in San Antonio, Texas. Like many debt collection agencies, Account Services has been a party to a Federal Court case over 85 times. They have been accused of violating consumer’s rights and using illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Contacting consumers at inappropriate times, places, or in illegal ways is prohibited by law.
Address: 1802 NE Loop 410 Ste 400
San Antonio, TX 78217-5221
Phone: (210) 821-1200
Account Services Collection Tactics
As a collection agency, Account Services may use a variety of tactics to collect debts, including phone calls, letters, and emails. However, Account Services is required by law to follow the FDCPA and respect your rights as a consumer. If you receive unwanted calls, encounter abusive language, or are threatened with legal action without proper cause, these actions may violate federal law. You have the right to report such complaints, send a cease and desist letter to stop unwanted calls, and seek help from consumer protection agencies or a law firm experienced in debt collection harassment. If Account Services continues to use unfair or harassing tactics, don’t hesitate to file complaints with the FTC or your state’s Attorney General to ensure your rights are protected.
Account Services Collection Tactics
If Account Services 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
Account Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
210-821-1200, 800-777-5102, 210-821-1249, (210) 821-1200, (800) 777-5102, (210) 821-1249, 2108211200, 8007775102, 2108211249
Account Services may use different phone numbers, including toll free numbers, and these may appear differently on your caller ID. Sometimes, caller ID information can be spoofed, making it difficult to identify the true source of a call. If you have been called from a number not listed above, it may still be Account Services using caller ID spoofing.
If the answer is yes, then you are receiving calls from a known AS number. You may be a victim of AS phone harassment. The list above is not all the telephone numbers that AS uses. The calls can be from a different phone number and it still be Account Services calling you. Contact our office right away so we can start the process to stop AS from calling you illegally.
To help reduce unwanted or telemarketing calls, you can register your telephone number on call lists such as the National Do Not Call Registry. You can also block calls or use call blocking services provided by your phone company or phone companies, especially on cell phones, to further reduce these calls. Above all, no one should live with harassment!
Common Questions
Is AS a scam? No, Account Services has been in business for 54 years.
Can Account Services garnish my wages? Yes, AS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can AS sue me? Yes, AS can sue you so long as the debt is within the statute of limitations
Can AS report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can AS 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.
Does Account Services make sales calls or telemarketing calls? Account Services does not make sales calls or telemarketing calls; their telephone calls are related to debt collection. However, if you are receiving unwanted sales calls or telemarketing calls from other companies, you can register your number with the National Do Not Call Registry to help stop unwanted sales calls from legitimate telemarketers. Keep in mind, the Registry is designed to stop unwanted sales calls, but it may not block illegal or scam calls. Additional call-blocking tools may be needed to fully prevent unwanted sales calls. Regulations apply to both debt collection and telemarketing telephone calls, including rules on when and how these calls can be made.
The following is a sample list of complaints filed against Account Services in the past and can be found on Pacer.org.
3:15-cv-01529-MO Rozas v. Account Services
0:95-cv-00285-DRH-ARL Poupko v. Account Services
0:03-cv-03002-DSD-SRN Jancik v. Account Services
0:17-cv-60146-KMW Lucas v. Account Services
1:16-cv-00354-CSM Ghaffarian v. Account Services
In addition to these legal cases, consumer complaints and reports provide valuable information for regulatory agencies. Filing a complaint about unwanted calls or debt collection harassment not only helps document your experience but also assists in holding debt collectors accountable. Complaints can be submitted to other agencies such as the FCC, FTC, or similar organizations, not just through the courts.
Collection Agency Regulations
Collection agencies like Account Services are subject to strict regulations under both federal and state laws. The FDCPA is the main federal law that prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. In addition to federal law, many states have their own rules that further restrict when and how debt collectors can contact you, such as limiting calls to certain hours or requiring specific disclosures. If a collection agency violates these regulations, they can face serious consequences, including fines and lawsuits. Understanding these regulations helps you recognize when a debt collector is acting outside the law and empowers you to take action to protect yourself from illegal debt collection practices.
Credit Report and Debt Collection
When a debt is sent to a collection agency, it can have a major impact on your credit report. Debt collectors may report your debt to the credit bureaus, which can lower your credit score and affect your ability to get loans or credit cards. However, you have the right to dispute any debts that are inaccurate or unfairly reported. You can also negotiate with debt collectors to remove negative information from your credit report as part of a settlement. It’s important to regularly check your credit reports from all three major credit bureaus to spot errors or signs of unfair debt collection. By understanding how debt collection affects your credit report and knowing your right to dispute, you can take steps to protect your financial reputation and resolve debt collection issues effectively.
About Us
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, get contacted for a free case review—our office will not charge legal fees for the initial consultation, and you will not be charged legal fees upfront. If you reach out, we will respond quickly to your inquiry, whether by text or email. If misconduct is proven, legal fees may be recovered. Contact our office to begin the process to stop the Account Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Account Services, call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“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!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
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