Is Accurate Collection Services (ACS) calling you? Stop Accurate Collection 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. The FDCPA outlines what actions constitute harassment and is specifically designed to protect consumers from such practices.
You have the legal right to stop ACS phone harassment. Under the law, threats, repeated calls, and disclosing your debt to others are considered harassment. Behaviors such as excessive or intimidating calls constitute harassment under the FDCPA, which was enacted to protect consumers from unfair debt collection tactics. 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.
Are they a Scam?
According to the Better Business Bureau website, They have been in business for 6 years.
Accurate Collection Services
Who is Accurate Collection Services Debt Collection Agency?
They are a third party debt collector located in Morristown, New Jersey, and as third party debt collectors, they are subject to specific regulations governing how they collect debts. ACS has been a party to a Federal Court case several 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. Third party debt collectors like ACS often attempt to collect debts on behalf of the original creditor, including credit card debt, medical bills, and student loan debt. Consumers have rights regarding the debt owed and can request verification of the debt from both the debt collector and the original creditor.
Address: 17 Prospect St
Morristown, NJ 07960-6862
Phone: (976) 630-3050
Accurate Collection Services Unfair Debt Collection Practices and Tactics
If they engage 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.
- Making frequent calls, especially if you track how many calls are made within a seven day period, as this can help identify harassment or excessive debt collector contacts
- 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
There are specific guidelines under federal law regarding how many calls a debt collector makes and the frequency of debt collector contacts. If you want a debt collector to stop calling or stop contacting you, you can send a written request, which triggers legal protections.
Accurate Collection Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers? Many consumers have reported being called repeatedly by ACS from these numbers.
976-630-3050, (976) 630-3050, 9766303050
If the answer is yes, then you are receiving calls from a known ACS number. You may be a victim of ACS phone harassment. The list above is not all the numbers that ACS uses. The calls can be from a different number and it still means you are being called. Contact our office right away so we can start the process to stop ACS from calling you illegally. Above all, no one should live with harassment!
Credit Report Implications
When debt collectors engage in harassment—such as making repeated phone calls, using obscene or profane language, or employing other unfair debt collection practices—it can have a serious impact on your credit report. Negative entries from a debt collection agency can lower your credit score, making it harder to get approved for credit cards, loans, or even housing in the future.
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive practices or making false statements about the amount you owe. If a debt collector violates these rules, they may report inaccurate information to the credit bureaus, which can further damage your credit report. This is why it’s crucial for consumers to be aware of their rights and to take action if they believe a debt collector is acting unlawfully.
To protect yourself, always keep detailed records of every interaction with a debt collector—including dates, times, and the content of each call. If you’re unsure about the debt, you have the right to request a debt validation letter. This formal request requires the debt collection agency to provide proof that the debt is accurate and that you are the correct person they should be contacting. If the debt collector fails to provide this information or continues to use unfair debt collection practices, they may be in violation of federal law.
If you believe a debt collector is reporting false information or harassing you, you can seek legal assistance from a law firm experienced in debt collection issues. The Federal Trade Commission (FTC) and your state attorney general’s office are also valuable resources for consumers facing harassment or unfair debt collection practices. These government officials can help you understand your rights and may assist in taking legal action against collection agencies that break the law.
Remember, you should never make payments on a debt until you have verified its accuracy. If you are being contacted about a debt you do not owe, or if you suspect the debt collector is using deceptive or abusive language, it’s important to act quickly to stop harassment and prevent further damage to your credit report. State law may offer additional protections, so be sure to familiarize yourself with your rights in your area.
In summary, debt collector harassment doesn’t just cause stress—it can have lasting consequences for your financial future. By understanding the debt collection practices act, keeping good records, and seeking immediate help when needed, you can protect your credit report and ensure fair treatment from debt collection agencies.
Common Questions
Is ACS a scam? No, they have been in business for 6 years.
Can they garnish my wages? Yes, ACS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. If you do not respond to a debt collection lawsuit, you risk a default judgment, which can lead to wage garnishment and other legal actions.
Can ACS sue me? Yes, ACS can sue you so long as the debt is within the statute of limitations
Can ACS report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. It is important to verify the amount owed and whether the debt has already been paid before taking any action.
Can ACS 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. Most debt collectors, including ACS, do not have the authority to arrest you, and creditor harassment is illegal under federal law.
The following is a sample list of complaints filed against Accurate Collection Services in the past and can be found on Pacer.org.
2:11-cv-06307-WJM-MF TOTO v. Accurate Collection Services
2:14-cv-05471-FSH-JBC Siegfried v. Accurate Collection Services
2:14-cv-07605-ES-JAD Roglen v. Accurate Collection Services
2:17-cv-01325-ES-JAD Kieslat v. Accurate Collection Services
2:17-cv-07868-SDW-SCM Jackson v. Accurate Collection Services
FDCPA violations are common among some debt collectors, so consumers should be aware of their rights and take action if they experience illegal collection practices.
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, contact our office to begin the process to stop their 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 Accurate Collection 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!!”
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