Advanced Collection Services Phone Harassment?

No matter how little it is, being in debt is not a situation anyone would like to face. Alas! Most of us have faced such a situation at least once in our lifetime. Having a debt collection agency hounding you all day long with calls and messages that never seem to end makes the experience tasteless, tiring and downright frustrating.

Advanced Collection Services is a debt collection agency, and debt collection agencies make it their business to recover debt from consumers. Many people admit to having a difficult time when in debt, and the pressure they face from debt collectors only makes it worse.  From not knowing what to do to being confused about how to make the calls stop coming, or not even knowing if a collection agency has crossed the line; wouldn’t it be awesome to have some of your questions answered? It sure would be great to know what a collection agency can and can’t do and how it affects you. This would highly ease a lot of tension and help you make more informed decisions.

Below is a list of questions we often get asked by consumers.

The top 10 questions consumers often ask.

  1. Can a debt collector contact me anywhere and at any time?

Debt collectors are not allowed to contact you before 8 am and after 9 pm, except if you agree to it. They are also not allowed to contact you at an inconvenient time or at your workplace if you have instructed them not to.

  1. Can a debt collector sue me?

YES. A debt collector can sue you, usually as a last resort to get you to pay up. If this happens, be sure to respond either personally or through your lawyer. If a date is set for a hearing, be available in person to avoid ignoring a court summons. If you do, the debt collector has an automatic win which can have some serious consequences.

  1. What should I expect when a debt collector contacts me?

A debt collector is expected to send a written validation notice within the first five days of initial contact. This notice should contain the amount you owe, the creditor you owe it to, and the steps to take if the debt is not yours.

  1. What if the Debt isn’t mine?

If you get a validation notice for a debt you don’t remember incurring, you can send a written response stating that the debt is not yours. Alternatively, you can ask for validation of the debt, if you respond within 30 of receiving the validation notice, the collector is expected to send a written proof that you actually owe such debt before making any attempt to recover the debt again.

  1. How do I tell if the debt collector isn’t a fraudster?

It is important to verify if you are actually being contacted by a debt collection agency so as not to fall a victim to scammers. The easiest way to do so is to ask for the name of the company, the office address, office phone number and debt collector’s license number (if your state issues one) this information can be verified with a quick internet search. Never give personal information to anyone who calls claiming to be a debt collector.

  1. What is the fair debt collection practices act (FDCPA)?

This is a law established by the Federal Government to prevent unfair debt collection practices some of which include:

  • Threatening and using abusive words while addressing a consumer.
  • Misinterpreting and misinforming the consumer about their debt.
  • Pretending to be a Government official or an attorney.
  • Harassing consumers with phone calls and messages.
  • Threatening to have the consumer arrested.
  1. Can a debt collector call me at work or call my family members?

Debt collectors can call you at work for the purpose of getting in touch with you, but they are not allowed to discuss your debt with anyone, harass you at work or show up at your workplace demanding payment. They can also call your family but are not permitted to discuss your debt with anyone other than you or a representative you appoint. To do this would go against the FDCPA.  They are also expected not to contact you after receiving a cease letter.

  1. How do I handle debt collectors?

Being called by a debt collector is not the end of the world. Here are five things you should do:

  • Try to keep your calm
  • Don’t agree to a debt except you’re absolutely sure that it is yours.
  • Know your rights.
  • Keep evidence of all conversations
  • Avoid providing sensitive information
  1. What is the appropriate way a debt collector can contact me?

A collector can attempt to reach you through calls, letters, text messages, or emails. However, they are not allowed to pester you with endless calls or call you at inconvenient times.

  1. What do I do if I think Advanced Collection Services has broken the law?

You can sue Advanced Collection Services in a state or Federal court and can be awarded up to $1000 in statutory damages. Your best bet is to get in touch with an A+ accredited consumer rights attorney. Call 877-700-5790 today! We would be glad to help.

Who is Advanced Collection Services?

Advanced Collection Services is a third-party debt collector located in Lewiston, Maine. They have been a party to over 35 federal cases based on their issuance of credit and collection of debts incurred on their credit cards.  Furthermore, a recent Federal Court case alleges that Advanced Collection Services used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Contact Information

Address: PO Box 7103

Lewiston, ME 04243-7103

Phone: (207) 795-2220

Is Advanced Collection Services a Scam?

No, they are a recognized debt collection agency. According to the Better Business Bureau website, Advanced Collection Services has been in business for 34 years. Click here to read more about them:  Advanced Collection Services Better Business Bureau

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Advanced Collection Services Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

800-640-0545, 207-795-2227, 207-795-2220, (800) 640-0545, (207) 795-2227, (207) 795-2220, 8006400545, 2077952227, 2077952220

If the answer is yes, then you are receiving calls from a known ACS number. You may be a victim of ACS phone harassment. You should call us now on the numbers listed above for further advice on how to proceed.

The following is a sample list of complaints filed against Advanced Collection Services in the past year and can be found on Pacer.org.

3:05-cv-01009-CCC Baez v. Advanced Collection Services

3:05-cv-01174-HL Vazquez-Rivera v. Advanced Collection Services

1:04-cv-02530-TWT Simmons v. Advanced Collection Services

1:07-cv-02687-JOF Shobert v. Advanced Collection Services

1:07-cv-03039-CC Bernstein v. Advanced Collection Services

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Advanced Collection Services, LLC. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Check out the links below for more information:

https://www.consumer.ftc.gov/articles/debt-collection-faqs

Maine Attorney General

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