🚨Advanced Capital Solutions Harassment: Are You Being Called❓
Are you being called by Advanced Capital Solutions? Are you getting debt collection calls from Advanced Capital Solutions? Advanced Capital Solutions(ACS) is a licensed and registered third-party debt collection agency. They have the right to call you about the debts you owe. What you should know is that there are laws that prevent Advanced Capital Solutions(ACS) from abusing their debt collection rights and crossing the line. Those laws are the FDCPA, the TCPA and the Fair Credit Reporting Act (FCRA). You should safeguard your personal financial information including bank accounts to avoid identity theft and unauthorized withdrawals.
Under the Fair Debt Collection Practices Act (FDCPA), Advanced Capital Solutions debt collection agency cannot harass, intimidate, threaten or oppress you. The FDCPA prohibits Advanced Capital Solutions debt collection harassment that can come in many forms. Debt collectors may for example make repeated calls to your home or workplace to annoy, abuse or harass you; they may also use unprofessional, obscene or profane language to try to get you to pay when all else fails.
What you need to know is that the law stops debt collectors from doing this. It also stops them from threatening you with violence or bodily harm. Third-party debt collectors like Advanced Capital Solutions(ACS) can’t publish a list of debtors who have not paid their delinquent debts to harass or shame them. They also can’t identify themselves as a collection agency and say it’s a collection call when they call you.Also the FDCPA stops debt collectors from using false, deceptive or misleading methods to try to get payment from an unsuspecting consumer. For example debt collectors can’t misrepresent the amount you owe or threaten to take you to court or have you arrested if they don’t plan to follow through with it. Debt collectors can’t misrepresent themselves as legal or government officials when they are not as that is a violation of the FDCPA laws. Debt collectors can’t call your home too early or too late in the day and call your workplace after they’ve been told not to.
If you are a victim of Advanced Capital Solutions debt collection harassment then you need to seek professional help as this is what’s needed to address the situation and protect your rights. We are here to help in such cases; call our team of A+ accredited professionals at (877)700-5790.
📝Your Rights Against Advanced Capital Solutions Phone Harassment
It’s not just recently that consumers have been having problems with debt collectors like Advanced Capital Solutions LLC. Actually these problems have been around since before 1977 when the FDCPA laws were enacted. The FDCPA (Fair Debt Collection Practices Act) was signed into law by congress in 1977 to protect the rights of consumers like you and me from the abusive collection practices often committed by agencies like Advanced Solutions. Also the Fair Credit Reporting Act (FCRA) ensures accuracy in credit reporting and protects consumers’ rights to dispute inaccuracies on their credit reports.
Some of the laws that protect you against Capital Solutions Phone Harassment from Advanced Capital Group are:
- Collection agencies can’t call consumers at odd hours. This means Capital Solutions collection agency must limit phone calls to between 8 a.m. and 9 p.m. local time.
- A Capital Solutions debt collector can’t call you at work if you tell them that your employer doesn’t allow personal or debt collection calls at work.
- Advanced Solutions Inc. must send you a written debt validation notice within 5 days or verify the debt over the first call they make to you. The letter should state how much you owe, who you owe it to and details on how to proceed if you want to dispute the debt. A debt collector from Advance Capital Solutions can’t under any circumstances threaten you with violence, corporal punishment, arrest or jail time.
- Your Advanced Cap Solutions’ debt collector can’t use obscene, profane or abusive language.
- They can’t claim to be an attorney or representative of the government or a court official.
- Capital Solutions can’t misrepresent the amount you owe or make false claims on your credit report.
- A Capital Solutions debt collector can only talk to you, your attorney, spouse, parents (if you’re a minor), or co-signor. They can reach out to your network to find a way to contact you but can’t reveal details about your debt.
Despite these rules, attorneys and the CFPB get a truckload of complaints every month. Most of this is because many consumers don’t know their rights and often end up being harassed for too long.
That’s why it’s very important to educate yourself or get in touch with a debt collection attorney to guide you.
📞Advanced Capital Solutions Inc. is Calling Me. What Should I Do❓
Once you’ve established that the calls are indeed from Advance Capital Inc. you need to:
• Start gathering evidence that proves the harassment
• Speak with the Advance Solutions Inc. representative calling you and ask them to stop the harassing calls. Tell them you know your rights
• If the harassment doesn’t stop, file a complaint with a professional body.
🧾Step #1: Gather evidence
In case you’ll need to prove the harassment or take Advanced Capital Solutions to court, make sure you have enough evidence to prove you were harassed. We recommend you keep track of:
• How many times they called, sent letters or visited. Be sure to include specific details such as dates and times of the day
• Keep records of conversations, any inappropriate terms used during communication with you and the name of the debt collection representative you spoke to when those violations were committed
• Keep all letters and documents you received from them during communication
• If someone witnessed the extent of the harassment you’ve endured from Advanced Capital Group then their testimony may be valuable to your case.
🧾Step #2: Talk to your Creditor
Once you have evidence, send a letter to Advanced Capital Group saying you have evidence of debt collection harassment against them and ask them to stop the harassment.
Tell them you know your rights and debt collection harassment is a violation of those rights and you’ll take whatever action is necessary if the harassment doesn’t stop. This is what’s called a cease-and-desist letter and should be sent certified mail so you get a return receipt. Keep personal copies of this letter as evidence.
You can ask Capital Solutions Inc. to acknowledge they received this letter and after doing so, they must cease all contact with you except to tell you they are suing you.
A cease-and-desist letter drafted by a professional will get much better results. If you need help with a cease-and-desist letter, call our office at (877)-700-5790; we’re always here to help you.
🧾Step #3: Forward the matter to a professional body
If Advanced Capital Group has ignored your request to cease and desist from all harassment, now may be the time to reach out to a professional body.
Your first point of action should be to reach out to a consumer protection attorney who can fight for your rights. Our team of smart, savvy and experienced attorneys will provide you with all the help, support, advice and assistance you need. We’ll fight for your rights to ensure you get justice for the harassment from Advanced Capital Solutions.
You can also use the CFPB’s sample letters or submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). You can also contact the office of your state’s attorney general.
📞Advanced Capital Solutions Inc. is Calling me. What should I Not Do❓
Do not ignore debt collection calls: Regardless of whether you recognize the debt or not, do not ignore calls from Advanced Solutions, as doing so could have serious consequences. Document any instances of debt collector harassment and seek legal protection under the Fair Debt Collection Practices Act.
Do not volunteer information: Like a court of law, what you say can and will be used against you in your debt collection case. It’s better to remain silent and let the debt collector do the talking. Do not hide money or assets: Don’t think you can get away with hiding some money or assets. It’s against the law and you will face serious consequences if you are caught
Do not believe a debt collector without first verifying the debt: Debt collectors are known for trying to collect all types of debts, even those that may not be legally enforceable or belong to you. The problem is that agreeing you own a debt, even over the phone can restart the clock on that debt. Make sure to dispute the debt before you agree to pay anything.
⚠️Is Advanced Capital Solutions a Scam❓
According to the Better Business Bureau website, Advanced Capital Solutions debt collection has been in business since 2021. There have been 33 complaints closed in the last 3 years and 5 complaints closed in the last 12 months.
Read more Capital Advance Solutions reviews here: Advanced Capital Solutions Better Business Bureau
🔎Who are Advanced Capital Solutions❓
Advanced Capital Solutions is a third-party debt collector located in North Canton, Ohio.
🏦Advanced Capital Collections address:
Address: 5553 Whipple Ave NW Ste 5
North Canton, OH 44720-7760
Phone: (888) 907-4082
💵Can Advanced Capital Solutions Garnish my Wages❓
When an individual is struggling to make ends meet, debts can pile up fast. Trying to keep up with the hassle of living from day to day, make ends meet, and provide for one’s dependents is already tough enough, but a wage garnishment can make it several times worse.
A wage garnishment is a situation where a debt collector takes a delinquent debtor to court and the court rules that a certain portion of that person’s income be cut and sent straight to the person or organization to whom the money is owed until the full amount of the debt is paid. A wage garnishment can be applied to pay credit card debt, student debt, mortgages, taxes or even child support. It’s also important to know that almost all types of debts can end with you getting a court-ordered wage garnishment.
Statistics show that more than seven percent of people across the country have had their wages garnished at some point in their lives. The weight of an individual’s accumulated debts, together with unresolved student loans were among the top reasons why a lot of consumers had their wages garnished. One thing to note about wage garnishments is that they rarely come out of the blue; there are several legal steps to be taken before it’s too late. So if you’re getting your wages garnished, you likely received notifications about your debts and the consequences from the debt collector handling your account. Since wage garnishments are the last step creditors take to recover unpaid debts, there’s usually a lot of room to avoid it. So what are your options when facing a wage garnishment?
A common way many consumers try to stop wage garnishment is by filing for bankruptcy. Filing for bankruptcy will also stop foreclosure proceedings. Some types of bankruptcy you can file for will let you keep your residence under certain conditions.
If you’re in a debt situation where you don’t make enough to pay off the amount you owe and are worried about getting your paycheck garnished, talking to a consumer rights attorney will be in your best interest. Call us today.
🔒Debt Collection and Identity Theft
In many of the debt collection cases we handle; debt can be caused by identity theft. If you’ve ever been a victim of debt collection scams, then you must have been surprised when you got a call telling you that you owe money for something you didn’t buy.
The process of recovering stolen money and correcting any other damage caused by identity theft, such as a damaged credit score or a ruined reputation, can be a daunting task to do on your own. As identity theft becomes more common, fraudsters get smarter every day and determining the identity of the thief is a task that has become an increasingly difficult challenge for law enforcement. In this situation, it’s important to contact an attorney to discuss options available to you if the police can’t help.
💢Advanced Capital Solutions Cannot Misrepresent You
Besides having your identity stolen, Advanced Capital Solutions cannot change their own identity during their communication with you.According to the FDCPA, Advanced Capital Group can’t use false, deceptive or misleading practices to trick you into thinking something is what it’s not. This rule not only covers misrepresentations about the identity of the debt collector calling you from Advanced Cap Solutions; misrepresentations about the amount you owe in debt are also not permitted.
Here are examples of misrepresentations that are prohibited by the FDCPA:
• Misrepresenting the amount of debt owed
• Presenting themselves as officials of the court or as law enforcement agents
• Making false threats that they are unable to carry out
• Threatening to harm you
Take note of the dates and times of these violations and bring them to your attorney if you plan to retain one. These records will be useful if you end up going to court.
✉️More about Advanced Capital Solutions
If you are currently receiving unwanted calls from advanced capital solutions, then you should know you have the right to be free from debt collection harassment.
Advanced Capital Solutions collection agency is a third-party debt collector based in Ohio. As a debt collector, the main focus of capital solutions collection agency is to get you to pay your debts.
Getting calls from a known ACS collection agency phone number? What you should know is ACS debt collections can call you if you are in debt. In fact, being in ACS debt is the reason why you’re getting calls from ACS inc. collections.
If you are receiving calls from a number that you suspect to be ACS debt collection agency, ask for a debt validation letter to prove it’s not an ACS inc scam.
If you want to file an ACS complaint, contact the better business bureau in Canton Ohio, or reach out to the ACS complaint phone number. Capital solutions inc is a licensed third-party debt collector.
🎯What to do if You’re Facing Advanced Capital Solutions Phone Harassment
Are you receiving harassing calls from any of the following numbers?
877-845-5988, 888-907-4082, (877) 845-5988, (888) 907-4082, 8778455988, 8889074082, 1-(855)-477-8864, 1-(888)-907-4082, 1-(716)-748-8000 (fax), 1-877-845-5988, 1-888-907-4082, (855) 477-8864, 888-926-0249, 877-917-9074, 281-569-4331, 866-816-0889, 855-858-7215, 601-909-9676, 888-902-3813
If yes, then you are being called by a known ACS number. You may be a victim of Advance Capital Solutions phone harassment. The list above is not all the numbers that ACS debt collection agency uses. The calls can be from a different number and still be ACS debt collection agency calling you. Contact our office right away so we can start the process of stopping ACS from calling you illegally.
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are being harassed by debt collectors in any form, including telephone communication. We have been helping consumers since 2010 and have an A+ rating with the Better Business Bureau.
If you are currently being harassed or want to learn more about how to protect yourself from it, call us at (877)700-5790 today.
🏷️Frequently Asked Questions
Q: Is ACS a scam❓
A: No, Advanced Capital Solutions has been in business for 6 years.
Q: Can Advanced Capital Solutions garnish my wages❓
A: Yes, ACS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Q: Can Advanced Capital Solutions sue me❓
A: Yes, ACS can sue you so long as the debt is within the statute of limitations
Q: Can Advanced Capital Solutions report my debt to the collection’s bureaus❓
A: Yes, Debt collectors can place the collection account on your credit report
Q: Can Advanced Capital Solutions arrest me❓
A: Debt collectors can’t 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. You can be arrested for certain debts like unpaid child support or traffic tickets.
