Ace Recovery Phone Harassment?
Is Ace Recovery (AR) calling you? Stop Ace Recovery 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 AR phone harassment. If a collection agency commits a violation of the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Ace Recovery a Scam?
According to the Better Business Bureau website, Ace Recovery has been in business for 1 years. There have been 2 complaints filed against AR with the BBB. Read more here: Ace Recovery Better Business Bureau.
Who is Ace Recovery?
Ace Recovery is third party debt collector located in Niagara Falls, New York. Ace Recovery collects debts on behalf of financial institutions, such as banks, credit card companies, or hospitals.
Address: PO Box 54 Niagara Falls, NY 14304-0054
Phone: (855) 807-1213
Ace Recovery Collection Tactics
If Ace Recovery 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
Ace Recovery Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- ☎️ 855-807-1213
- ☎️ (855) 807-1213
- ☎️ 8558071213
If the answer is yes, then you are receiving calls from a known AR number. You may be a victim of AR phone harassment. The list above is not all the numbers that AR uses. The calls can be from a different number and it still be Ace Recovery calling you. Contact our office right away so we can start the process to stop AR from calling you illegally. Above all, no one should live with harassment!
Federal Laws and Regulations
When it comes to dealing with debt collectors and third party debt collection agencies like Ace Recovery Services, understanding your legal protections is essential. Federal laws are in place to ensure fair debt collection and to shield consumers from phone harassment, abusive language, and other aggressive collection tactics.
The cornerstone of these protections is the Fair Debt Collection Practices Act (FDCPA). This federal law sets strict guidelines for how debt collectors can contact you, what they can say, and how often they can call. Under the FDCPA, debt collectors are prohibited from using threatening messages, repeated calls, or harassing language. They cannot contact you multiple times a day, discuss your debts with others, or make false threats of legal action or wage garnishment unless they have a valid court order.
If you are receiving calls from a debt collection agency, you have the right to request, in writing, that they stop contacting you. This formal request, often called a cease and desist letter, requires the debt collector to halt all communication except to notify you of specific actions, such as filing a lawsuit. You also have the right to dispute the debt and demand verification before making any payment or providing sensitive information like your social security number.
The Telephone Consumer Protection Act (TCPA) offers additional safeguards, especially regarding automated calls and text messages. Debt collectors must have your consent before using robocalls or sending texts to your phone numbers. If you believe a debt collector has violated these laws, you can file a complaint with the Federal Trade Commission (FTC), your state’s attorney general’s office, or the Better Business Bureau. These organizations investigate consumer complaints and can take legal action against companies that commit violations.
It’s important to be vigilant when dealing with any collection agency. Always verify the legitimacy of the business and the debt they claim you owe. Never provide personal or financial information until you have obtained written proof of the debt and confirmed the company’s identity through trusted sources like the business bureau or the company’s official website.
If a debt collector threatens to sue you or take legal action, remember that you have the right to defend yourself in court. Consulting with an attorney or a reputable credit counseling agency can help you navigate the process and protect your rights. Many debt collectors rely on consumers not knowing the law—by staying informed and taking action, you can stop harassing calls and ensure fair treatment.
In summary, federal laws like the FDCPA and TCPA are powerful tools for consumers facing debt collector harassment. By understanding your legal rights, filing complaints when necessary, and seeking professional help, you can protect yourself from unfair debt collection practices and hold companies like Ace Recovery Services accountable.
Complaints Against Ace Recovery
The following is a sample of complaints filed against Ace Recovery in the past and can be found on Pacer.gov.
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 the Ace Recovery 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 Ace Recovery. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 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.
- 🏆 I give Consumer Rights Law Firm Beyond Billboard and a thousand stars -Dereck has provided exceptional guidance and support throughout my case. His expertise, professionalism, and dedication were outstanding! He listened attentively to my concerns, explained complex legal concepts clearly, and worked tirelessly to achieve the very best possible outcome. I highly recommend Consumer Rights Law Firm to everyone for their phenomenal help and commitment to myself and their their clients
- 🏆 Had a horrible experience with a debt collector. Threats and constant phone calls – it was a living nightmare! Got hold of the Consumer Rights Law Firm and within 72 hours all the calls and threats stopped!!! Within a few months – the debt collector paid my debt and all the costs associated with the resolution!!! I can’t thank this law firm enough and I wish I could recommend them by as many stars as there is in heaven!!!
Frequently Asked Questions
1. Who is Ace Recovery?
Answer: Ace Recovery is a third-party debt collection agency hired by creditors to collect unpaid debts. While its activities are legal in many cases, some consumers report that it uses aggressive or unlawful tactics.
2. Can Ace Recovery make repeated phone calls to me?
Answer: No, Ace Recovery cannot legally call you excessively with the intent to annoy or harass. Under rules applied in debt collection, repeated calls—especially more than 7 calls in 7 days—can cross into harassment territory.
3. What constitutes phone harassment by Ace Recovery?
Answer: Phone harassment can include continuous repeated calls, use of obscene or threatening language, calling outside permissible hours, or calling after being instructed to stop. Under the FDCPA, such practices are prohibited.
4. Are there limits on when Ace Recovery can call me?
Answer: Yes. Generally, calls must be between 8:00 a.m. and 9:00 p.m. (local time), unless you agree to a different time. Calling outside those hours may violate debt-collection rules.
5. Can Ace Recovery threaten legal action or arrest over a debt?
Answer: They cannot legally threaten lawsuits, wage garnishment, or arrest unless they actually intend to follow through and have the legal right to do so. False threats are considered unfair or deceptive practices.
6. Can Ace Recovery contact my employer or co-workers about the debt?
Answer: No, Ace Recovery is prohibited from disclosing your debt to your employer or co-workers. They may contact your employer to verify your employment, but revealing debt details or repeatedly contacting them is not allowed.
7. What should I do if Ace Recovery is harassing me by phone?
Answer: You should document every call (time, number, content), request all communication in writing, and send a cease-and-desist (stop contacting me) letter. You may also consult a consumer law attorney.
8. Can I dispute the debt Ace Recovery claims I owe?
Answer: Yes. Under the Fair Debt Collection Practices Act, you have the right to dispute a debt in writing (typically within 30 days of the first contact). Ace Recovery must then provide verification before continuing collection.
9. Can I sue Ace Recovery for harassment?
Answer: Yes. If Ace Recovery violates the FDCPA (or relevant state law), you may be able to sue for statutory damages (often up to $1,000), actual damages, attorney’s fees, and costs.
10. Which laws protect me from Ace Recovery’s phone harassment?
Answer: You are protected by the Fair Debt Collection Practices Act (FDCPA) and, as applicable, the Telephone Consumer Protection Act (TCPA) among other state laws. These laws place limits on how, when, and how often debt collectors can contact you.