Acme Credit Service Debt Collection Harassment?
Is Acme Credit Service harassing you with constant phone calls? 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 Acme Credit Service phone harassment. Take a moment to review your debt details and any communications from Acme Credit Service to assess if your rights have been violated. 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.
The Fair Debt Collection Practices Act (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 Acme Credit Service a scam?
According to the Better Business Bureau website, Acme Credit Service has been in business since 1961. There have been 1 customer complaint filed on the BBB.
For more details, you can visit the Acme Credit Service Better Business Bureau page to find additional information and resources.
What is Acme Credit Service?
Acme Credit Service offers debt collection and recovering assets services. Recovery Specialists in Charge Accounts, Medical Bills, Judgements, Credit Cards, Apartment Rent & Evictions, Utility Bills, etc.
Address: 1124 S 8th St Springfield, IL 62703-2515 Phone: (217) 241-4400 Fax: (217) 241-4418
If you have concerns about Acme Credit Service’s practices, talk to a consumer rights advisor or representative to better understand your options.
Acme Credit Service Phone Harassment Examples
Dealing with phone harassment from Acme Credit Service can be overwhelming and stressful for consumers. Common examples of harassment include receiving repeated calls at inconvenient times, hearing threatening or intimidating messages, and being given false or misleading information about your debt. Some consumers report that the debt collector may call multiple times a day, leave voicemails that pressure immediate payment, or even contact friends and family members about the debt. These actions violate fair debt collection practices and your rights under the FDCPA.
If you have experienced any of these tactics from Acme Credit Service, it’s important to keep a detailed record of every call, including the date, time, and content of the conversation. This documentation can be crucial if you decide to file a complaint with the Better Business Bureau (BBB) or seek legal assistance. Remember, you are not alone—many consumers have faced similar issues, and there are resources available to help you stop the harassment and hold the credit service accountable. If you believe your rights have been violated, contact a consumer rights attorney or visit the BBB website for guidance on how to proceed. Protect your experience and your rights—don’t let a debt collector cross the line.
Acme Credit Service Phone Harassment Examples
If Acme Credit Service 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
Known Acme Credit Service Collection Call Numbers
Are you receiving any harassing phone calls from any of the following numbers?
(800) 500-2263 (217) 241-4400
If the answer is yes, then you are receiving calls from a known Acme Credit Service number. You may be a victim of Acme Credit Service phone harassment. The list above is not all the numbers that Acme Credit Service uses. The calls can be from a different number and it still be Acme Credit Service calling you. Contact our office right away so we can start the process to stop Acme Credit Service from calling you illegally. Take a moment to document any calls or harassment you have experienced before reaching out. Above all, no one should live with harassment!
Understanding Debt Collector Practices
Knowing how debt collectors like Acme Credit Service are supposed to operate can help you protect yourself and your credit. The FDCPA sets clear guidelines for fair debt collection practices, ensuring that collectors treat consumers with respect and honesty. Debt collectors are not allowed to use abusive language, make threats, or misrepresent the amount you owe. They must also provide you with a written notice that details the debt, the name of the original creditor, and instructions on how to dispute the debt if you believe there is an error.
As a consumer, you have the right to request verification of the debt and to challenge any inaccuracies. If you feel unsure about any communication from a credit service or collection agency, don’t hesitate to seek assistance. The Better Business Bureau (BBB) and the Federal Trade Commission (FTC) offer valuable information on their websites about your rights and what to expect from a debt collector. Staying informed and proactive is the best way to manage your debt collection experience and ensure that your rights are respected. If you suspect a violation of fair debt collection practices, reach out to a consumer rights attorney for help.
Resolving Debt Collection Disputes
If you find yourself in a dispute with Acme Credit Service or any other debt collector, it’s important to know that you have options. Resolving debt collection issues can involve negotiating a payment plan, disputing the validity of the debt, or seeking professional assistance. Always keep a record of all communications with the credit service, including emails, letters, and phone calls, as this information can be vital if you need to escalate your case.
You can file a complaint with the Better Business Bureau (BBB) or contact the Federal Trade Commission (FTC) if you believe the debt collector has acted unfairly or violated your rights under the FDCPA. Many consumers have successfully resolved disputes by working with a consumer rights attorney, who can help you understand your rights and take legal action if necessary. Don’t hesitate to visit the website of a reputable consumer rights law firm for more information on how to protect yourself and your credit. If you’re facing harassment or unfair practices, take action today—contact a professional for assistance and ensure your rights are upheld throughout the debt collection process.
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. Rather than suffer alone, contact our office to begin the process to stop the Acme Credit Service 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 even more harassment from Acme Credit Service, call us at (877) 700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
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Matthew was able to get my situation handled and stop the Harassing phone calls. He kept me updated with how the case was going and never left me in the dark about anything.⭐⭐⭐⭐⭐
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Derek and Matt, are some of the best people I’ve ever met. I had a bad situation which they were quickly able to help get resolved. The open communication and fast response time, along with their patience and vast knowledge really helped ease my mind and confirm I made the right choice. Thank you Consumer Rights Law Firm!⭐⭐⭐⭐⭐
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I only had to make one call to them and they handled my case professionally. They let me know I wouldn’t have to pay anything out of pocket which was true and I was able to get the situation resolved within a timely manner. I definitely recommend them. Great work. Great communication. Excellent service⭐⭐⭐⭐⭐
Frequently Asked Questions
1. Who is Acme Credit Service?
Acme Credit Service is a debt collection agency that attempts to collect unpaid consumer debts.
2. Can Acme Credit Service legally harass me?
No. Harassment, threats, or abusive behavior are illegal under federal debt collection laws.
3. What counts as phone harassment by Acme Credit Service?
Repeated calls, calling late at night, using threatening language, or calling after you ask them to stop.
4. Can Acme Credit Service call me at work?
They must stop calling your workplace if you tell them your employer does not allow such calls.
5. Can Acme Credit Service contact my family or friends?
They may only contact third parties to locate you and cannot discuss your debt.
6. Can Acme Credit Service threaten me with arrest or jail?
No. Threatening arrest or criminal charges for debt is illegal.
7. Do I have the right to request debt validation?
Yes. You can request written proof of the debt within 30 days of their first notice.
8. Can Acme Credit Service sue me for the debt?
They can only sue if the debt is valid and within the statute of limitations.
9. How do I stop calls from Acme Credit Service?
You can send a written cease-communication request or seek help from a consumer rights attorney.
10. What should I do if Acme Credit Service violates the law?
You may be entitled to compensation and legal protection by taking action.
