Advanced Debt Collections Debt Collection Harassment?
Is Advanced Debt Collections (ADC) calling you? Stop Advanced Debt Collections phone harassment. Debt collection agencies are companies hired by creditors to recover debts, but they must follow fair debt collections practices as required by law, which protect consumers from abusive or deceptive tactics. Consumers should determine whether they are experiencing legitimate collection efforts or debt harassment. Fair debt collections practices are designed to prevent abuse, deceptive practices, false threats, misleading practices, and violence by debt collectors.
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? These are all forms of harassment, and there are limits on when and how debt collectors can contact you, such as calling hours. Harassment can take many forms, including repeated calls, threats, sharing information with others, or using abusive language. For example, a collector making a false threat or pretending to be government officials is strictly prohibited. It is important to identify debt harassment and know your rights.
While most debt collectors adhere to the law, some do not, and consumers should be vigilant. Both individuals and businesses are protected under the FDCPA. Advanced Capital Solutions is one example of a company that has been reported for aggressive collection tactics. If your rights are violated or if collectors are violating the law, you can take legal action. FDCPA violations can result in statutory damages and lawsuits. If you experience harassment, you can file a complaint with regulatory agencies such as the CFPB or FTC. Understanding the contacting methods used by collectors and your rights regarding these communications is essential to protect yourself.
Introduction to Debt Collection
Debt collection is the process by which debt collectors attempt to recover debts owed by consumers to creditors. When you owe a debt, creditors may hire a debt collection agency or sell your debt to a third-party collector to collect what is owed. Debt collectors use various methods to collect debts, including phone calls, letters, and emails. However, it is important to know that debt collectors must adhere to fair debt collection practices and follow the law, specifically the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law designed to protect consumers from abusive, unfair, or deceptive debt collection practices. If a debt collector violates these laws, you have the right to take legal action, which may include filing lawsuits and seeking statutory damages. Consumers facing harassment from debt collectors should seek immediate assistance from attorneys or consumer protection agencies to stop the harassment and ensure their rights are protected throughout the debt collection process.
Is Advanced Debt Collections a Scam?
Advanced Debt Collections is one of many companies that collect debts on behalf of creditors. According to the Better Business Bureau website, Advanced Debt Collections has been in business for 9 years. Both individuals and businesses may be contacted by debt collection companies, so it is important to identify whether the company contacting you is legitimate. To determine if a company is a scam or a legitimate business, check for clear identification, professional communication, and verify their information through trusted sources. Contacting the Better Business Bureau or filing a complaint can help verify a company’s legitimacy and address any concerns about their practices.
Read more here: Advanced Debt Collections Better Business Bureau.
Who is Advanced Debt Collections?
Advanced Debt Collections is a third-party debt collector company located in Indianapolis, Indiana. ADC collects debts on behalf of creditors and may pursue collections from both individuals and businesses. Similar to other companies in the industry, such as Advanced Capital Solutions, ADC operates under regulations that govern debt collection practices.
Address: 4437 N Franklin Road Indianapolis, IN 46225-3914
Phone: (317) 357-7291
Advanced Debt Collections Collection Tactics
Harassment by debt collectors can take many forms, including repeated calls, threats, and sharing information with others. If Advanced Debt Collections engages in any of the following tactics, you may have a case:
- ➤ Using profanity, abusive language, or threats of violence (all forms of abuse and violence are illegal)
- ➤ Calling you before 8:00 a.m. or after 9:00 p.m. (there are legal limits on when debt collectors can contact you)
- ➤ Calling you multiple times per week
- ➤ Talking to others about your debt
- ➤ Calling your workplace
- ➤ Threatening to sue you, harm you, destroy your credit, or making false threats
- ➤ 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
- ➤ Using misleading practices, such as misrepresenting the amount owed or their authority
While most debt collectors adhere to the law, some do not. It is important to keep detailed records of all communications with debt collectors to protect your rights.
Advanced Debt Collections Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- ☎️ 317-357-7291
- ☎️ (317) 357-7291
- ☎️ 3173577291
If the answer is yes, then you are receiving calls from a known ADC number. You may be a victim of ADC phone harassment. The list above is not all the numbers that ADC uses. ADC may be contacting you from different phone numbers, so it’s important to keep detailed notes each time you are contacted. Be sure to keep records of all communications, including calls, voicemails, and letters, noting the dates, times, and nature of each contact. Contact our office right away so we can start the process to stop ADC from calling you illegally. Above all, no one should live with harassment!
Prohibited Practices in Debt Collection Harassment
Debt collectors are strictly prohibited from engaging in certain practices that amount to debt collection harassment. These prohibited actions include making repeated phone calls intended to annoy or harass, using abusive language or threats, and making false claims about the amount of debt owed or the consequences of not paying. Debt collectors are also not allowed to contact you at your workplace if you have told them not to, or to call you at inconvenient times, such as before 8 a.m. or after 9 p.m. Additionally, within five days of their initial contact, debt collectors must provide you with a written validation notice that details the debt, the name of the creditor, and your rights as a consumer. If a debt collector violates these rules—by making threats, using abusive tactics, or failing to provide required information—they can be held liable for debt collection harassment. Legal action, including lawsuits and claims for statutory damages, can be taken against collectors who engage in these prohibited practices.
Seeking Help and Support for Debt Issues
If you are facing debt collection harassment or struggling with debt, there are resources available to help you. Consumers can seek assistance from attorneys who specialize in fair debt collection practices and debt collection law, as well as from consumer protection agencies and non-profit credit counseling services. You can also contact government agencies such as the (CFPB) or the Federal Trade Commission (FTC) for guidance and to file complaints about debt collection harassment. Official websites provide valuable information on your rights and the steps you can take to stop unfair debt collection practices. If you are having trouble managing your debt, consider options like debt consolidation, credit counseling, or, in some cases, bankruptcy. Being aware of your rights and available resources is crucial to protecting yourself from harassment and managing your debt effectively. Don’t hesitate to seek help and support—taking action can stop debt collection harassment and put you back in control of your financial future.
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. Our team can help you write letters disputing debts, request that collectors stop contacting you, and guide you in writing formal complaints to agencies like the CFPB or FTC. We emphasize the importance of keeping records of all communications with debt collectors, as well as writing and sending requests in writing to protect your rights. Rather than suffer alone, contact our office to begin the process to stop the Advanced Debt Collections 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 Advanced Debt Collections. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
Was helped by attorney Derek DePetrillo from the site. We were messaging back and forth on the site, and he then requested to call me to explain more in depth. I was being harassed by a fake/scam collection agency. He did lots of research to find out that I was most likely being scammed for a collection back in 2014. He took his time with me and relaxed my nerves after being threatened by this agency calling. He requested I hold on to his contact info and if I need anything else to please feel free to call him. Very professional and give him 5 STARS! Thank You⭐⭐⭐⭐⭐
Thank you Consumer rights law firm for jumping on my case immediately…..I took a chance after I was threatened and harassed by a debt buyer that had a fake process server contact me I called the local process servers and they told me if when I looked up the person’s name and phone number in their database I couldn’t find it then they’re a fraud. I then found CRLF and Matthew (on his day off) handled the situation. He promised me results and a month later that’s exactly what we got. No out of pocket fees no stress no more harassing calls. I didn’t have to wait until I was scammed out of my money to get the results I needed and neither do you.⭐⭐⭐⭐⭐
All I can say is this team is amazing from the beginning to the end! I let Mr. Scott know how I was being harassed and showed him all the proof with the messages and phone calls! And he went to work on my behalf! I did not know where to turn at first, the best decision was making this phone call. Thank you and your team again! I did not know if this was scam or was going to work out, this is not scam give them a call if you are being harassed even if you may not know let them know what is happening, they will take it from there!!! Again, I want to thank you all so much. There is not any out-of-pocket cost. They get a million stars from me⭐⭐⭐⭐⭐
Frequently Asked Questions
Why is Advanced Debt Collections calling me?
Advanced Debt Collections may be calling to collect a debt on behalf of a creditor. They are a third-party debt collection agency contacting consumers about outstanding accounts.
What constitutes phone harassment by Advanced Debt Collections?
Phone harassment includes frequent or repeated calls, threats, calling before 8 AM or after 9 PM, or continuing to call after you’ve requested in writing that they stop.
Are robocalls from Advanced Debt Collections legal?
Robocalls may be illegal if you did not give prior written consent. Such calls could violate the Telephone Consumer Protection Act (TCPA).
Can I stop Advanced Debt Collections from contacting me?
Yes. You can send a written cease-and-desist letter. Under the FDCPA, they must stop most forms of communication after receiving your request.
What if I don’t owe the debt Advanced Debt Collections is trying to collect?
If you believe the debt is incorrect, you can dispute it in writing within 30 days of first contact. The agency must then verify the debt before continuing collection efforts.
Can I take legal action against Advanced Debt Collections for harassment?
Yes. Violations of the FDCPA or TCPA may allow you to sue Advanced Debt Collections and recover damages for harassment or illegal collection practices.
How should I document harassment from Advanced Debt Collections?
Keep a detailed record of all calls, including times, dates, and content. Save voicemails and written communication. This evidence can support any legal claims.
Who can help me stop Advanced Debt Collections phone harassment?
Consumer protection lawyers or law firms like Consumer Rights Law Firm PLLC can help you stop the harassment and guide you on your legal rights and options.
How long can Advanced Debt Collections keep calling me?
They can only contact you as allowed under the FDCPA and TCPA. Excessive or repeated calls intended to harass may be illegal and you have the right to stop them.
What steps can I take if Advanced Debt Collections continues to harass me?
Document all calls, send a cease-and-desist letter, and consult a consumer rights attorney. You can file complaints with the CFPB or state attorney general if harassment continues.
