Select Page

Advanced Capital Solutions Phone Harassment?

Are you currently getting debt collection calls from Advanced Capital Solutions? Advanced Capital Solutions(ACS) is a licensed and registered third-party debt collection agency. What this means is that they have every right to contact you regarding the debts that you owe. What you should know, however, is that there are certain laws that prevent Advanced Capital Solutions(ACS) from abusing their debt collection rights and stepping into unethical boundaries. These laws are called the FDCPA, the TCPA, and the FCRA. 

Under the rules listed in the Fair Debt Collection Practices Act (FDCPA), Advanced Capital Solutions debt collection agency is not permitted to harass, intimidate, threaten, or oppress you. The debt collection harassment that the FDCPA frowns upon can come in many forms. Debt collectors may, for example, go ahead to make repeated phone calls to your residence or place of employment with the intention to annoy, abuse, or harass you; they may also employ the use of unprofessional, obscene, or profane words in a bid to coerce payment from you when all else fails.

What you must know is that the law prevents debt collectors from engaging in such illegal and harmful behavior. It also prevents them from threatening you with violence or bodily harm. Furthermore, third-party debt collectors like Advanced Capital Solutions(ACS) are not allowed to publish a list of debtors who have failed to resolve their delinquent debts with the purpose of harassing or shaming them. They are further required to identify themselves as a collection agency and mention that it is a collection call when they contact you.

Furthermore, the FDCPA prevents debt collectors from using false, deceptive, or misleading methods to coerce payment from an unsuspecting consumer. For example, debt collectors are not allowed the mistake of misrepresenting the amount you owe or threatening to take you to court, or have you arrested if they do not plan to follow their words up with action. Additionally, a debtor collector cannot misrepresent themselves as legal or government officials when they are not, as doing so will be a violation of the FDCPA laws. Debt collectors are further prohibited from calling your place of residence too early or too late in the day and calling your place of employment after they have been advised not to do so.

The FDCPA protects consumers, and as a consumer, the FDCPA laws are on your side. The fact that there are laws that provide you with powerful protection does not mean that there aren’t debt collectors who will try to violate these laws. Most times they are counting on your ignorance and your lack of knowledge about these laws and how they protect you from debt collection harassment.

If you are a victim of debt collection harassment, then it is in your best interest to seek the assistance of a qualified professional, as this is needed to address the situation and protect your rights. We are a helpful resource in such situations; call our team of A+ accredited professionals on (877)700-5790.

An overview of your rights against harassment from Advanced Capital Solutions

It is not only 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 in an attempt to protect the rights of consumers like you and me from the abusive collection practices often carried out by agencies like Advanced Solutions.

Some of the laws that protect you against harassment from Advanced Capital Group are:

  • Collection agencies are prohibited from calling consumers at odd hours. This means that Capital Solutions collection agency must restrict phone calls to between 8 a.m. and 9 p.m. local time.
  • A Capital Solutions debt collector must not call you at work if you tell them that your employer frowns upon receiving personal or debt collection calls at work.
  • Advanced Capital must heed to your request to not be contacted further if you send them one.
  • Advanced Solutions Inc. must send you a written debt validation notice within 5 days, or verify the debt over the first call they place to you. The letter should state how much money you owe, who you owe it to, and details about how to proceed if you wish to dispute the debt.
  • A debt collector from Advance Capital Solutions may not, under any circumstance, threaten you with violence, corporal punishment, arrest, or jail time.
  • Your Advanced Cap Solutions’ debt collector must not use obscene, profane, or abusive language.
  • They must not make false claims to be an attorney or representative of the government, or a court official.
  • Capital Solutions cannot misrepresent the amount of money you owe, or make false claims on your credit report.
  • A Capital Solutions debt collector can talk about your debt only with you, your attorney, spouse, parents (if you are a minor), or co-signor. They can reach out to your network to find a means of contacting you, but they can’t reveal any details about your debt.

Despite these rules, attorneys, and the CFPB receive a truckload of complaints every month. Most of this is because many consumers simply do not know their rights and often end up enduring harassment for too long.

This is why it is extremely important to educate yourself or get in touch with a debt collection attorney to guide you.

Advanced Capital Solutions Inc. is harassing me. What should I do?

Once you have established that the calls you receive 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 badgering calls. Explain that you know your rights.
• If the harassment doesn’t stop, file a complaint with a professional body.

Step #1: Gather evidence

In case you will need to provide proof of the harassment or take Advanced Capital Solutions to court, ensure that you have ample evidence to prove that you were indeed harassed.  We advise you to 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 have received from them in the course of communication.
• If someone has witnessed the extent of this harassment you have endured from Advanced Capital Group, then their testimony may be valuable to your case.

Step #2: Talk to your creditor

When you have collected evidence, send a letter to Advanced Capital Group stating that you have evidence of debt collection harassment against them, and asking them to stop the harassment.

Tell them that you know your rights, and that debt collection harassment is a violation of those rights, and you are ready to take whatever action is necessary if the harassment does not stop. This is what is known as a cease-and-desist letter, and it should be sent via certified mail to get a return receipt. You should also keep personal copies of this letter to provide as evidence.

You may ask Capital Solutions Inc. to acknowledge that they have received this letter, and after doing so, they are required to cease all communications with you, except if they wish to tell you that you are being sued.

A cease-and-desist letter constructed by a professional will definitely get much better results. If you need help with crafting an effective cease-and-desist letter, you should give our office a call at (877)-700-5790; we’re always available to help you.

Step #3: Forwarding 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 will fight ferociously for your rights, to ensure that you get justice for the harassment from Advanced Capital Solutions.

Additionally, you can 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 harassing 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 unforeseen consequences.

Do NOT volunteer information: Much like a court of law, what you say can, and will be used against you in your debt collection case. It is better to keep 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. Its against the law and you will face some serious consequences if you are caught

Do NOT believe a debt collector without first verifying the debt: Debt collectors are infamous for trying to collect all types of debts, even those that may not still be legally enforceable or belong to you. The problem is that agreeing that you own a debt, even over the phone may restart the clock on that debt. Be 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 agency is not a fraudulent organization. The third-party debt collection agency has been in business for 6 years and there have been 77 Advanced Payment Solutions complaints filed against them with the BBB.

Read more Capital Advance Solutions reviews here: Advanced Capital Solutions Better Business Bureau

Who is Advanced Capital Solutions?

Advanced Capital Solutions is a third-party debt collector located in North Canton, Ohio. They have been sued in federal court several times for violating consumer’s rights while collecting on alleged debts.  A recent Federal Court case alleges that ACS debt collection agency threatened to take legal action it did not intend to take and falsely stated that it was illegal to send detailed information about the alleged debt more than once.

Capital Collections phone number

Address: 5553 Whipple Ave NW

Ste 5

North Canton, OH 44720-7760

Phone: (888) 907-4082

Can Advanced Capital Solutions garnish my wages?

In a situation where an individual is barely able to make ends meet, debts can often keep mounting up. Trying to keep up with the hassle of living from day to day, make ends meet, and provide adequately for one’s dependents is already tasking 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 resolved. A wage garnishment can be set in motion to pay up credit card debt, student debt, mortgages, taxes, or even child support. It is also additionally important to know that almost all types of debts can end with you getting a court-sanctioned wage garnishment.

Statistics reveal 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 acquired debts, together with unresolved student loans were among the top reasons why a lot of consumers had their wages garnished.

One particular thing to note about wage garnishments is that they hardly ever just come out of the blue; there are several legal steps to be taken before it reaches the point of no return. Therefore, if you are getting your wages garnished, you will most likely have received a notification about your alarming debts and the possible consequences severally from the debt collector who is responsible for handling your account. Additionally, since wage garnishments are usually the last step creditors take towards recovering unresolved debts, there is usually a lot of room for a consumer to avoid it. So then, what are your options when you are facing an impending wage garnishment?

A very common way that many consumers try to stop the possibility of getting their wages garnished is by filing for bankruptcy. Filing for bankruptcy will also make foreclosure proceedings come to an end. Additionally, some forms of bankruptcy that you can file for will let you retain your place of residence under certain conditions.

If you are in an uncomfortable debt situation where you do not make enough to resolve the amount you owe in debts and are scared about the possibility of having your paycheck garnished, speaking to a qualified consumer rights attorney will be in your best interest. Call us today.

Debt Collection and Identity Theft 

In many of the debt collection cases that we tackle; debt can be caused by identity theft. If you have ever been a victim of debt collection scams, then you must have been surprised when you got a call to inform you that you owe money for something you did not purchase.

The process of recovering stolen money and correcting any other damages caused by identity theft, such as a damaged credit score or a tarnished reputation, can be a difficult task to undertake on your own. As identity theft becomes more common, fraudsters get smarter daily, and determining the identity of the thief is a task that has become an increasingly steeper challenge for law enforcement officers. In a situation like this, it is important to contact an attorney to discuss options that may be available to you if the police cannot be of much help.

Advanced Capital Solutions cannot misrepresent you

Apart from having your identity stolen, Advanced Capital Solutions, on the other hand, is also not permitted to alter their own identity during their dealings with you.

According to the FDCPA, Advanced Capital Group can’t use false, deceptive, or misleading practices to deceive you into thinking that things are what they are not.  This rule not only covers misrepresentations about the identity of the debt collector contacting you from Advanced Cap Solutions; misrepresentations about the amount you owe in debt are also not permitted.

Listed below are examples of misrepresentations that are outlawed 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 in no position to carry out
• Threatening to cause you distress or harm
• Threats made to scare you into compliance

All of the above are outlawed by the FDCPA, and if Advance Solutions of New York Inc. is guilty of all or any of the above, we advise you to keep a file of all letters and documents containing your communications with them, alongside recordings of your phone calls.

Take note of the dates and times that these violations were committed, and take them along to your lawyer, if you plan on retaining one. These records will be invaluable if you end up having to go to court.

More about Advanced Capital Solutions 

Are advanced capital solutions calling tirelessly? If you are currently receiving unwanted calls from advanced capital solutions, then you should know that it is your right to be free from debt collection harassment.

Advanced capital knows this fact, they just hope that you don’t too. advanced capital solutions collection agency is a third-party debt collector based in Ohio. As a debt collector, the primary focus of capital solutions collection agency is to get you to resolve your debts. As a result of this, ACS collection agency will usually go to tireless lengths to ensure that you resolve the amount that you owe.

Getting calls from a known ACS collection agency phone number? What you should know is that ACS debt collections reserve the right to call you if you are in debt. In fact, being in ACS debt is the primary reason why you will be receiving phone calls from ACS inc. collections.

if you are receiving calls from a number that you suspect to be ACS debt collection agency, be sure to ask for a debt validation letter to prove that it is not an ACS inc scam. An ACS incorporated scam is quite a common occurrence, and you must know that ACS debt collection will never ask you to provide them with sensitive information such as your name and your social security number.

If you would like 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 phone 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 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 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.

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.

If you are currently facing harassment or are interested in learning more about how to protect yourself from it, call us at (877)700-5790 for immediate assistance.

Common 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 ACS sue me?

A: Yes, ACS can sue you so long as the debt is within the statute of limitations

Q: Can ACS report my debt to the collection’s bureaus?

A: Yes, Debt collectors are allowed to place the collection account on your credit report

Q: Can ACS arrest me?

A: 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.

The following is a sample list of complaints filed against Advanced Capital Solutions in the past year and can be found on

2:15-cv-00831-TSZ McGowan v. Advanced Capital Solutions

2:15-cv-00320-LH-CG Rauch v. Advanced Capital Solutions Inc.

1:15-cv-01692 Heusser et al v. Advanced Capital Solutions, Inc.

3:18-cv-50258 Pitchers v. Advanced Capital Solutions, Inc.

4:15-cv-00547-DW Hill v. Advanced Capital Solutions, Inc.

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 was 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!!”

Check out the links below for more information:

Ohio Attorney General

Consumer Finance