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.
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.
Common Questions
Is ADC a scam? No, Advanced Debt Collections has been in business for 9 years. However, if you believe your rights have been violated or that ADC is violating the law, you can file a complaint with regulatory agencies such as the CFPB or FTC. FDCPA violations, such as harassment or misrepresentation, are grounds for legal action.
Can Advanced Debt Collections garnish my wages? Yes, ADC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. ADC may act on behalf of creditors or government agencies when pursuing wage garnishment.
Can ADC sue me? Yes, ADC can file a lawsuit against you if the debt is within the statute of limitations and you do not pay a valid debt. If you are sued, it is important to respond promptly and understand your legal rights.
Can ADC report my debt to the collection bureaus? Yes, debt collectors are allowed to place the collection account on your credit report.
Can ADC arrest me? 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. An example of a collector violating the FDCPA would be if they falsely claim to be government officials or law enforcement to intimidate you—this is illegal.
How do I dispute a debt with ADC? Disputing a debt is your right under the FDCPA. You should write a formal dispute letter to ADC, stating that you are disputing the debt and requesting verification. It is important to send your dispute in writing to ensure legal protections. You can also request, in writing, that ADC stop contacting you. Note: Always request a validation notice in writing, which should include details about the debt and your rights. If you believe ADC has violated your rights, you can file a complaint with the appropriate regulatory agency.
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. 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.
Consumer Rights Law Firm 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 at www.consumerlawfirmcenter.com
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 were 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:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/7842-2/
https://consumerlawfirmcenter.com/advanced-collection-bureau-phone-harassment/
https://consumerlawfirmcenter.com/c-tech-collections-inc-phone-harassment/
https://consumerlawfirmcenter.com/action-collection-agency-phone-harassment/
https://consumerlawfirmcenter.com/delmarva-collections-phone-harassment/
https://consumerlawfirmcenter.com/action-collectors-incorporated-phone-harassment/
https://consumerlawfirmcenter.com/accounts-recovery-agency-phone-harassment/
https://consumerlawfirmcenter.com/acs-recovery-services-phone-harassment/
