Action Collection Agency of Boston Phone Harassment?
Is ACAB calling you? Have you been putting up with Action Collection Agency of Boston phone harassment in silence, unaware of what to do, and afraid of the potential consequences of doing them? Do they threaten you over the phone to take legal action or garnish your wages? Are they calling you at odd hours or several times a day? This is ACAB phone harassment and you have a right to put an end to it. This article aims to tell you that if Action Collection is engaging in any of the above-mentioned practices, they are violating your consumer rights.
If you or a loved one of yours has ever had to deal with a collection agency, then we can safely assume that you know how annoying and stressful it can be. Debt collection agencies like ACA Boston are well-known for their illegal harassing practices. Although debt collection representatives may not stop harassing and badgering consumers anytime in the distant future, having some knowledge about common illegal debt collection practices can help identify when you’re being treated unfairly.
Remember that you have the legal right to stop ACA Boston debt collection harassment and that if the activities of Action collection violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Some common illegal debt collection practices
The FTC releases an annual report that lets the general public know the most common types of debt collection complaints received from consumers at the hands of debt collectors like ACA Boston. Investigating the nature of these complaints will not only give you a better idea of the various types of skulduggery practiced by many debt collectors during the debt collection process but will also bring you a deeper understanding of your rights as a consumer. Additionally, if you have been a victim of any of these types of behaviors during the ACA Boston debt collection process, you have the right to report them to the FTC. Call an experienced and A+ accredited BBB lawyer at 877-700-5790.
You must have it in mind that state laws regulating debt collection can vary from state to state. The instances we are going to be mentioning here are in violation of Federal law, otherwise known as the Fair Debt Collection Practices Act (FDCPA). Consult with your state’s attorney general’s office to learn more about the laws governing debt collection in your state.
Common illegal debt collection practices include:
1. Attempts to Collect a Debt that a debtor does not owe:
This was the debt violation complaint in 45% of the cases received by the FTC in 2019. the law allows you to send Action collection a debt verification request if you believe that the debt may not belong to you. you should send this request in writing within 30 days of receiving the initial notice from Action Collection Agency of Boston.
2. Failure on the part of the debt collector to provide a written Notification of the Debt:
The law states that ACA Boston must send you a written notice of the debt within five days of initially contacting you. This notice should include information such as:
- The amount of debt owed
- The name of the original creditor from whom the debt was originally acquired
- A statement informing you of your right to dispute the debt
This problem amounted to 18% of complaints received by the FTC in 2019 Most individuals complaining about written notifications (65%) say the collection agency didn’t include adequate information to help them identify and confirm that the debt was theirs, and another 30% complained that their written notice didn’t inform them about their right to dispute the debt.
3. Poor/ Harassing communication Tactics:
12% of consumers called the FTC to complain about the poor communication tactics practiced by debt collectors during debt collection calls. According to the law, debt collectors like ACAB are not allowed to call repeatedly just to harass you or intrude on your privacy. Although there is no specific number of calls that amount to ACAB phone harassment specified in the FDCPA, your communication with debt collectors should generally be smooth and stress-free. If you think you are experiencing Action Collection Agency of Boston phone harassment, start keeping a record of the time of the call and any messages left.This will help provode evidence if a court case becomes necessary.
The majority of complaints surrounding communication tactics are about repeated phone calls (55%), foul or abusive language (12%) or calls outside of the allotted times (5%).
4. Threats of negative consequences or Legal action:
in 2019, 12% of consumers also called up the FTC to report cases of threats issued to them by debt collectors.
The law prohibits debt collectors from threatening a lawsuit, wage garnishment, jail time, criminal prosecution, or a poor credit rating unless they intend to do so or acquire legal authority from the court to do so. Debt collectors are also prohibited from making threats of violence or corporal punishment.
Who is Action Collection Agency of Boston?
ACAB is a third-party debt collector located in Middleboro, Massachusetts.
Address: 16 Commerce Blvd
Middleboro, MA 02346-1085
Phone: (508) 923-0310
Is ACAB a Scam?
According to the Better Business Bureau website, Action Collection has been in business for 52 years. There have been 8 complaints filed against ACAB with the BBB. Read more about it here: Action Collection Agency of Boston Better Business Bureau
Action Collection Agency of Boston Collection Tactics
If you’re experiencing ACAB debt collection and they do any of the following to you, 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
Action Collection Agency of Boston debt collection doesn’t have to be a horrifying experience. Take note of any form of violation, be it Action Collection phone harassment or any other form of debt collection harassment that you are likely to receive. If you suspect you’re being subjected to any of the above-listed forms of harassment, contact us today.
Things you shouldn’t say to a debt collector
If a debt collector, (say aca of Boston), calls you, you must be wise in your speech to avoid saying things that will be used against you sooner or later.
Action Collection debt collection can be handled well with the right knowledge.
- Don’t admit to owning a debt when a debt collector calls you. This is because the debt may have exceeded the statute of limitations which means they can no longer hold you legally over that debt. Admitting to owing the debt automatically “resurrects” the debt and makes it valid again.
- Don’t disclose your personal financial information. No matter how much a debt collector tries to pressure you into doing that, do not fall.
- Don’t volunteer information. It is best to be slow to speak and quick to listen when a debt collector is on the other end of the line.
If an action debt collector calls you, be sure to take charge of the conversation.
Action Collection Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
508-923-0310, 800-478-7421, (508) 923-0310, (800) 478-7421, 5089230310, 8004787421
If the answer is yes, then you are receiving calls from a known ACAB number. You may be a victim of ACAB phone harassment. The list above is not all the numbers that Action collection service uses. The calls can be from a different number and still be Action collection service calling you. Contact our office right away so we can start the process to stop ACAB from calling you illegally.
The following is a sample list of complaints filed against Action Collection Agency of Boston in the past and can be found on Pacer.org.
3:16-cv-02028-AJB-MDD Pomales v. Action Collection Agency of Boston
1:15-cv-14130-PBS Witherell v. Action Collection Agency of Boston
1:16-cv-10980-FDS Brimage v. Action Collection Agency of Boston
1:17-cv-08899-RA Deleon v. Action Collection Agency of Boston
2:19-cv-03022-RJD-SMG Bernardino v. Action Collection Agencies
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 action collection 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 Action Collection Agency of Boston. call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Massachusetts Attorney General