American Collateral Recovery Group Phone Harassment?
Is American Collateral Recovery Group (ACRG) calling you? Stop American Collateral Recovery Group 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? Consumers are often called by fake debt collectors who use deceptive tactics, such as threats or false promises, to pressure payment over the phone. Are they telling your family and neighbors that you owe a debt? Collectors may also make false claims about the amount you owe or the consequences if you do not pay. If so what they are doing is illegal and needs to stop. Some consumers have been scammed by fake collectors using these tactics, so it is important to stay alert. You have the legal right to stop ACRG 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 American Collateral Recovery Group a Scam?
According to the Better Business Bureau website, American Collateral Recovery Group has been in business for 11 years. Complaints have been reported to the Better Business Bureau and other agencies regarding debt collection practices. Many others have experienced similar issues with debt collection companies. Read more here: American Collateral Recovery Group Better Business Bureau.
Who is American Collateral Recovery Group?
American Collateral Recovery Group is third party debt collector located in Rockwell, Texas. They may act on behalf of the original creditor to whom the debt is owed. ACRG has been a party to a Federal Court case a few 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. Consumers should verify if the debt has already been paid or collected before making any payments.
🏛️ Address: 113 Kenway St Ste 202 Rockwall, TX 75087-3546
📞 Phone: (972) 226-2440
Consumers are advised to request and carefully review all documents sent by the company to confirm the legitimacy of the debt and the collection process.
Note: Always verify all information and documentation before responding to any debt collection attempt.
It is important to realize when a collector may not be legitimate and to take steps to protect your rights.
American Collateral Recovery Group Collection Tactics
If American Collateral Recovery Group engages 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
- ▶️ Pressuring you to make payments or pay immediately before you have verified the legitimacy of the debt
Legitimate debt collectors will accept standard, trackable payments. Scammers may try to get you to pay using untraceable methods or pressure you into making quick payments without proper verification.
American Collateral Recovery Group Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 972-226-2440
- 📲 (972) 226-2440
- 📲 9722262440
If the answer is yes, then you are receiving calls from a known ACRG number. You may be a victim of ACRG phone harassment. The list above is not all the numbers that ACRG uses. The calls can be from different phone numbers and it still be American Collateral Recovery Group calling you. You may also receive a text message from numbers claiming to be ACRG, so always verify the legitimacy of any such messages. Contact our office right away so we can start the process to stop ACRG from calling you illegally. Above all, no one should live with harassment!
Protecting Yourself from Debt Collection
Dealing with debt collectors can be stressful, but knowing your rights and the proper steps to take can help you avoid debt collection scams and protect your financial well-being. Whether you’re receiving calls from a collection agency or a company claiming to collect on a debt, it’s important to stay vigilant and informed.
Start by verifying the identity of any debt collector who contacts you. Legitimate debt collectors will always provide their name, business address, phone number, and details about the debt, including the name of the original creditor and the amount owed. If you’re unsure, ask for this information in writing. Under the law, real debt collectors are required to send you a written validation notice within five days of their first contact.
Be cautious of aggressive tactics. Fake debt collectors often use threats, intimidation, or claim to be from a government agency to pressure you into paying. Remember, it is illegal for any debt collector to threaten arrest, legal action without basis, or to use abusive language. If you suspect you’re dealing with a scam, do not provide personal or financial information, such as your social security number or bank account details.
Keep detailed records of all communication. Save voicemails, text messages, and letters, and make notes of phone calls, including the date, time, and what was said. This documentation can be crucial if you need to file a complaint or take legal action against a debt collector for harassment or illegal practices.
Regularly review your credit report to ensure all information is accurate and up-to-date. You are entitled to a free credit report from each of the three major credit bureaus every year. If you notice any unfamiliar debts or suspicious activity, dispute them immediately with the credit reporting agency and report the issue to the Federal Trade Commission (FTC).
If you believe you are the victim of a debt collection scam, report it to the FTC, your state’s Attorney General, and the Better Business Bureau. Providing feedback and filing a complaint not only helps protect your own rights but also assists other consumers in avoiding similar scams.
If you are receiving calls from a debt collector and feel overwhelmed or unsure how to respond, consider reaching out to a law firm that specializes in debt collection harassment. They can help you understand your legal rights, stop the harassment, and, in some cases, recover damages and attorney fees.
Remember, you have the legal right to request that a debt collector stop contacting you. Sending a written cease and desist letter is an effective way to exercise this right. If the calls or harassment continue after the collector receives your letter, you may be entitled to additional legal protections and compensation.
Staying informed, keeping records, and knowing when to seek help are your best defenses against debt collection scams and harassment. By taking these steps, you can protect your credit, your finances, and your peace of mind.
Complaints Against American Collateral Recovery Group
The following is a sample of complaints filed against American Collateral Recovery Group in the past and can be found on Pacer.gov.
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. Rather than suffer alone, contact our office to begin the process to stop the American Collateral Recovery Group harassment. Our office has been assisting consumers since 2010. Before responding to any debt collection company, use the internet to research and verify their legitimacy by checking their website and online presence. 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 American Collateral Recovery Group. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 Had a horrible experience with a debt collector. Threats and constant phone calls – it was a living nightmare! Got hold of the Consumer Rights Law Firm and within 72 hours all the calls and threats stopped!!! Within a few months – the debt collector paid my debt and all the costs associated with the resolution!!! I can’t thank this law firm enough and I wish I could recommend them by as many stars as there is in heaven!!!
- 🏆 I reached out needing help. Scott contacted me right away and reassured me everything was going to be ok. And took care of all my worries. He was an amazing help and I’m grateful for his service. And they guaranteed I would not have to pay a dime. Very thankful.
- 🏆 I had such amazing time working with Scott and the Consumer Rights Law Firm! They got me a swift and really well planned out settlement as I hit a rough financial situation. They also guaranteed me that I would never be asked for any money out of my pockets! Thank you so much Consumer Rights Law Firm!
Common Questions
Q1: Who is American Collateral Recovery Group and why are they calling me?
A1: American Collateral Recovery Group is a company that may be involved in vehicle repossession and debt collection. If they are calling you, they likely believe you have defaulted on a car loan or related debt.
Q2: Is American Collateral Recovery Group allowed to harass me with phone calls?
A2: No. Under the Fair Debt Collection Practices Act (FDCPA), they cannot harass you through repeated or threatening phone calls. You have the right to be treated fairly and respectfully.
Q3: What can I do if American Collateral Recovery Group keeps calling me?
A3: Document each call and send a written cease-and-desist letter requesting that they stop. If the calls continue, you can file a complaint with the (CFPB) or contact a consumer rights attorney.
Q4: Can I sue American Collateral Recovery Group for harassment?
A4: Yes. If they violate the FDCPA, you may be entitled to up to $1,000 in statutory damages, plus compensation for emotional distress and attorney fees. Legal action can also stop further contact.
Q5: How do I stop American Collateral Recovery Group from calling me?
A5: Send a cease-and-desist letter in writing. Once they receive it, they are only permitted to contact you to confirm they’ll stop calling or to inform you of legal action.
Q6: Who can help me deal with American Collateral Recovery Group phone harassment?
A6: You can contact Consumer Rights Law Firm PLLC. They specialize in stopping unlawful debt collection practices and can help protect your rights under federal law.
Q7: Does American Collateral Recovery Group have the right to repossess my vehicle?
A7: If you default on your auto loan, American Collateral Recovery Group may have the legal right to repossess your vehicle. However, they must follow state laws and cannot breach the peace during repossession.
Q8: What laws protect me from American Collateral Recovery Group harassment?
A8: The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that protect you from unfair collection practices and inaccurate credit reporting.
Q9: Will American Collateral Recovery Group affect my credit score?
A9: Yes. If American Collateral Recovery Group reports a repossession or unpaid debt to the credit bureaus, it can negatively impact your credit score for up to seven years.
Q10: Can American Collateral Recovery Group take me to court?
A10: Yes, they can file a lawsuit to recover the debt. If you are sued, it’s important to respond promptly and seek legal representation to protect your rights.
