Who is Affiliated Creditors Inc and why are they calling me?

Affiliated Creditors Inc is a third‑party debt collection agency, often calling about allegedly past‑due accounts such as medical or commercial debts.

Can Affiliated Creditors Inc legally harass me with repeated phone calls?

No. Under federal law (FDCPA), harassment—such as repeated calls meant to annoy, threats, or abusive language—is illegal and actionable.

How many times can a debt collector call before it's considered harassment?

If they call more than seven times in a seven‑day period about the same debt, that's generally considered harassment under the FDCPA.

What should I do if Affiliated Creditors Inc keeps calling me?

Document each call (date, time, phone number), then send a written cease‑and‑desist request. If calls continue, report them to the CFPB, FTC or state Attorney General, or seek legal help.

Can I send a cease‑and‑desist letter to stop the calls?

Yes. If you send a written cease‑and‑desist letter, they must stop calling except to confirm receipt or inform of legal action. Any further calls may violate FDCPA.

Can Affiliated Creditors Inc robocall or use spoofed numbers?

Many consumers report robocalls and suspect spoofing. If they use robocalls without your consent, they may violate TCPA and FDCPA rules.

Can they contact me at work?

No, not if you tell them not to. You can legally bar them from contacting you at your workplace.

Can I sue Affiliated Creditors Inc for harassment?

Yes. If they violate laws like the FDCPA or TCPA, you may be able to sue for damages, including up to $1,000 plus legal fees.

Can these calls affect my credit score?

Yes. They may report delinquent debts to credit bureaus, which can lower your credit score. You can dispute inaccuracies under the FCRA.

How can I verify that the debt is really mine?

Within five days of initial contact they must send a validation notice including the original creditor, amount owed, and verification instructions. You have 30 days to dispute it in writing.

Affiliated Creditors, Inc. Phone Harassment?

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Affiliated Creditors Inc Phone Harassment?

Is Affiliated Creditors, Inc. (AC) calling you? Stop Affiliated Creditors, Inc. phone harassment. 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? If so what they are doing is illegal and needs to stop.

You can find information about Affiliated Creditors, Inc. in official directories or through the Better Business Bureau to verify their legitimacy and compliance with legal regulations.

You have the legal right to stop AC phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

Is Affiliated Creditors Inc a Scam?

Affiliated Creditors, Inc. is a company founded in 1986. According to the Better Business Bureau website, this company has been in business for 38 years. There have been 7 complaints filed against AC with the BBB. Read more here: Affiliated Creditors Inc Better Business Bureau.

Who is Affiliated Creditors Inc?

Affiliated Creditors Inc is third party debt collector located in Nashville, Tennessee. AC has been a party to a Federal Court case over 40 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Affiliated Creditors, Inc. operates in the business support services industry.

🏛️ Affiliated Creditors Inc Address: 176 Thompson Lane Suite 101 Nashville, TN 37211

📞 Phone number: (615) 331-1826

Understanding the Debt Collection Process

Dealing with a debt collection agency like Affiliated Creditors, Inc. can be overwhelming, but understanding the debt collection process is the first step to protecting your rights. Typically, the process begins when a collection agency contacts you by phone or sends a demand letter, requesting payment for outstanding debts. If you do not respond or resolve the debt, the agency may escalate their efforts, including reporting the debt to credit bureaus, which can negatively affect your credit reports and score.

It’s important to know that you have rights under the Fair Debt Collection Practices Act (FDCPA). This law sets clear limitations on what a debt collection agency can and cannot do when trying to collect debts. For example, they must provide you with information about the debt and your right to dispute it. If you’re unsure about your situation or want to ensure your rights are protected, you can request a free consultation with a lawyer who specializes in fair debt collection practices. Taking this step can help you understand your options and decide how best to respond to creditors inc or any other agency contacting you.

Affiliated Creditors, Inc. Collection Tactics

If they engage in any of the following tactics, you may have a case:

➡️ Using profanity or abusive language
➡️ Calling you before 8:00 a.m. or after 9:00 p.m.
➡️ Calling you multiple times per week
➡️ Talking to others about your debt
➡️ Calling your workplace
➡️ Threatening to sue you, harm you, or destroy your credit
➡️ 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
➡️ Leaving pre-recorded or automated messages that may violate the Telephone Consumer Protection Act (TCPA)

Be sure to pay close attention when you receive communications from debt collectors, as these may contain false threats or wrongful accusations.

Affiliated Creditors, Inc. Phone Numbers

📱 615-331-1826
📱 615-331-6854
📱 (615) 331-1826
📱 (615) 331-6854
📱 6153311826
📱 6153316854

If the answer is yes, then you are receiving calls from a known AC number. You may be a victim of AC phone harassment. The list above is not all the numbers that AC uses. The calls can be from different numbers and it still be Affiliated Creditors, Inc. calling you. Contact our office right away so we can start the process to stop AC from calling you illegally. Above all, no one should live with harassment!

Protecting Yourself from Abuse

When dealing with collection agencies or debt collection agencies, it’s crucial to protect yourself from abusive or harassing behavior. The FDCPA prohibits debt collectors from using unfair, deceptive, or harassing tactics—such as making repeated phone calls, using threatening language, or attempting to collect more than you owe. If you feel uncomfortable with phone communications, you have the right to request that the agency contact you in writing instead.

To further protect yourself, always verify that the debt is legitimate and that the business or agency contacting you is authorized to collect it. The Better Business Bureau (BBB) and other consumer protection organizations can provide valuable information about the business practices of collection agencies and help you file complaints if you experience harassment. Remember, you have the right to fair treatment, and there are resources available to ensure that debt collection agencies follow the law and respect your rights.

Seeking Help and Resolution

If you are experiencing harassing calls or unfair treatment from Affiliated Creditors, Inc. or any other debt collection agency, don’t hesitate to seek help. Contacting a lawyer who understands debt collection law can make a significant difference—they can help you stop harassing phone calls, dispute inaccurate information on your credit reports, and even negotiate debt relief or settlements on your behalf.

Consumers in Nashville, TN, and across the country can also file complaints with the BBB or other consumer protection agencies to report abusive practices. Taking action not only helps protect your own rights but also helps hold debt collection agencies accountable. If you’re unsure where to start, reach out for a free consultation to discuss your case and learn about your options. By being proactive, you can protect yourself, resolve disputes, and move forward with confidence.

Common Questions

Is AC a scam?

No, they have been in business for 38 years.

Can they garnish my wages?

Yes, AC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.

Can AC sue me?

Yes, AC can sue you so long as the debt is within the statute of limitations.

Can AC 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.

What type of legal protections apply to debt collection?

Consumers are protected by several types of laws, including the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), and Fair Credit Reporting Act (FCRA), which regulate how debt collectors can contact you and what information they can report.

Can I win damages if AC violates my rights?

Yes, if you can prove harassment or violations of the FDCPA or other consumer protection laws, you may win damages in court.

Can AC report my debt to the collection bureaus?

Yes, Debt collectors are allowed to place the collection account on your credit report. If Affiliated Creditors, Inc. reports inaccurate or negative information in error, you have the right to request its removal by disputing the entry under the Fair Credit Reporting Act (FCRA).

The following is a sample list of complaints filed against Affiliated Creditors, Inc. in the past and can be found on Pacer.org.

About Us

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients, including individuals and companies, who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop their harassment. Our office has a long-running history of 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 Affiliated Creditors, Inc. call us at 877-700-5790 for immediate assistance or visit our website.

Success Stories

🏆 I was receiving calls from a debt collector every single day. It got to the point where I was afraid to answer my phone. I contacted Consumer Rights Law Firm PLLC, and within a week, the calls stopped. They handled everything professionally and made me feel protected. I can finally breathe again!
🏆 From the first consultation, Consumer Rights Law Firm PLLC made me feel heard. The collectors were calling my job and even my relatives. The firm stepped in immediately, filed the necessary paperwork, and got them to stop. I also received compensation for the stress they caused me. Highly recommend!
🏆 After weeks of repeated calls and threats from a collection agency, I decided to get legal help. Consumer Rights Law Firm PLLC acted fast. They knew exactly what to do, filed a complaint under the FDCPA, and got me results. No more harassment and a small settlement too — I couldn’t be happier.
🏆 I was nervous to get legal help, but Consumer Rights Law Firm PLLC made me feel like I wasn’t alone. They explained my rights clearly, handled all the paperwork, and kept me updated every step of the way. The debt collectors backed off, and I finally feel like I’m in control of my life again.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.