Are you receiving repeated calls, threats, or unwanted messages from Advantage Collection Professionals, LLC (ACP)? Many consumers report aggressive contact from this debt collector. This guide explains who ACP is, your legal rights under federal law, what the company can, and cannot, legally do, how to stop harassment, and when you might have legal recourse.
Who Is Advantage Collection Professionals, LLC?
Advantage Collection Professionals, LLC is a third-party debt collection agency based in Cambridge, Minnesota. The company collects past-due accounts on behalf of healthcare providers, lenders, and other creditors.
Address: PO Box 353, Cambridge, MN 55008-0353
Main Phone: (877) 479-1500
ACP is a legitimate business, it is not a scam, but like many collection agencies it has received multiple consumer complaints alleging aggressive or questionable contact practices.
According to the Better Business Bureau (BBB):
The company is not BBB accredited.
The BBB reports 11 complaints in the last 36 months; 1 of those is closed in the last year.
Consumer-submitted reviews are mixed, with some positive experiences and some reporting issues with communication or validation.
How Advantage Collection Professionals May Contact You
ACP may attempt to reach you through:
Phone calls (sometimes multiple calls per day)
Voice messages
Letters and written notices
Emails
Complaints often involve lack of clear debt validation, repeated phone contact, or appearing on credit reports with little prior notice.
Common Contact Numbers
Here are numbers associated with ACP collections:
- 877-479-1500
- 763-689-5393
- 763-689-1500
- (877) 479-1500
- (763) 689-5393
- (763) 689-1500
- 8774791500
- 7636895393
- 7636891500
Note: Debt collectors may use different numbers, including “spoofed” caller IDs, so all calls should be checked against your account records.
Advantage Collection Professionals Under Federal Law
The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive, unfair, or deceptive practices by third-party collectors, including ACP. Some examples are listed below.
Legitimate Practices
These are allowed under the law:
- Calling you to collect a valid debt
- Sending letters or notices about collection activity
- Reporting debts to credit bureaus
Illegal Practices
These are not permitted and could be FDCPA violations:
| Illegal Conduct | What It Means |
|---|---|
| Repeated Calls | Calling multiple times per week or per day without a reasonable purpose |
| Calling Outside Allowed Hours | Before 8 a.m. or after 9 p.m. local time |
| Threats of Arrest | Claiming you can be jailed for not paying a civil debt |
| Contacting Third Parties | Discussing your debt with family, friends, or coworkers |
| Failing to Validate Debt | Not providing written verification within 5 days of first contact |
| Misleading Statements | Using false threats or misrepresentations to collect |
Verified Lawsuits Involving ACP
A few federal cases demonstrate that consumers have challenged ACP’s practices in court:
| Case | Court | Filed | Main Claim |
|---|---|---|---|
| Gruentzel v. Advantage Collection Professionals, LLC | U.S. District Court (Wisconsin) | 2017 | Alleged misleading verification information under FDCPA |
| Christianson v. Advantage Collection Professionals, LLC | U.S. District Court (Minnesota) | 2025 | Fair Debt Collection Act claim |
These cases are public records, and they involve allegations that ACP failed to properly inform consumers of their rights or engaged in unfair collection tactics.
Fight Against Advantage Collection Professionals Harassing Calls
Here’s how to protect yourself legally:
Document Everything
Log calls, dates, names, and messages.Request Written Validation
Send a written request within 30 days of first notice.Send a Cease-and-Desist Letter
This demands they stop phone calls and only contact in writing.File Complaints
CFPB ()
FTC (Federal Trade Commission)
State Attorney GeneralDispute Inaccurate Credit Reporting
If ACP listed debt that isn’t accurate, file disputes with credit bureaus.Consult an Attorney
If harassment continues, consider legal counsel specializing in FDCPA claims.
If you’re facing frequent calls, threats, or misleading collection tactics from Advantage Collection Professionals, know that:
- You are protected under the FDCPA.
- You have a legal right to written validation.
- You can stop unwanted contact.
- You can file complaints or pursue legal action.
Take the steps above to protect your rights, and don’t let aggressive debt collection communication go unanswered.
Advantage Collection Professionals Reviews
Some Reviews we found on Wallethub are as follows:
Review 1: “I was placed for collections and found them very professional in helping me get my debt resolved. I appreciated their approach.
Review 2: “Thanks for your help with fixing my credit and I can get me a house one day of my own for me and my kids and we can live better one day.”
Review 3: Poor customer service . They could use better services . Services to people is the best quality a customer could ever ask for I would never again.”
Verified Lawsuits Involving ACP
A few federal cases demonstrate that consumers have challenged ACP’s practices in court:
| Case | Court | Filed | Main Claim |
|---|---|---|---|
| Gruentzel v. Advantage Collection Professionals, LLC | U.S. District Court (Wisconsin) | 2017 | Alleged misleading verification information under FDCPA |
| Christianson v. Advantage Collection Professionals, LLC | U.S. District Court (Minnesota) | 2025 | Fair Debt Collection Act claim |
These cases are public records, and they involve allegations that ACP failed to properly inform consumers of their rights or engaged in unfair collection tactics.
How Consumer Rights Attorneys Can Help
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. Consulting credit counselors can help consumers manage their financial situation and reduce stress from aggressive collection tactics. Rather than suffer alone, contact our office to begin the process to stop the Advantage Collection Professionals phone 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 acp debt collector, call us at 855-385-8182 for immediate assistance or visit our website.
Success Stories
- 🏆 “Mike was nice, informative, and jumped on the case A.S.A.P. Thank you, consumer rights law firm, for speaking up for me when I thought I did not have a voice. The scariest thing to hear from someone is for them to threaten to garnish your wages, and you are barely making ends meet. Once again, thanks for all your help.”.
- 🏆 “I had a medical collections company calling my number looking for someone I had never heard of. They kept calling, even tho I told them they had the wrong number. Consumer Rights Law Firm took my case & got them to stop calling, plus they got a monetary settlement for me. I am so appreciative of the help they gave me!”
- 🏆 “Mike was nice, informative, and jumped on the case A.S.A.P. Thank you, consumer rights law firm, for speaking up for me when I thought I did not have a voice. The scariest thing to hear from someone is for them to threaten to garnish your wages, and you are barely making ends meet. Once again,n thanks for all your help.”
Read more about how we’ve helped clients like you in our testimonials.
FAQs
Is ACP a scam?
No, Advantage Collection Professionals has been in business for 4 years.
Can Advantage Collection Professionals garnish my wages?
Yes, ACP can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can ACP sue me?
Yes, ACP can sue you so long as the debt is within the statute of limitations. Their debt collection efforts must comply with legal standards, including the FDCPA (Fair Debt Collection Practices Act).
Can ACP report my debt to the collection bureaus?
Yes, debt collectors are allowed to place the collection account on your credit report.
Can ACP 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.
Can Advantage Collection Professionals contact me at work?
Yes, unless you tell them that your employer does not allow personal calls. Once notified, they must stop calling you at work.
What if ACP is calling about a debt that isn’t mine?
Send a written dispute and request validation. They must verify the debt before continuing to contact you.
How long can ACP collect a debt?
They can only sue while the debt is within your state’s statute of limitations, usually 3 to 6 years for most debts.
Will paying ACP remove the collection from my credit report?
No. Payment usually changes the status to “paid collection,” but it may still appear unless you get a written delete agreement.
Can I record calls from ACP?
It depends on your state’s law. Some states allow recording with one person’s consent, while others require permission from both parties.
