American Collection Services Phone Harassment?
Is American Collection Services (ACS) calling you? Stop American Collection Services 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. If you believe you are experiencing FDCPA violations, document the behavior and seek legal advice.
You have the legal right to take steps to deal with ACS 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. If you are experiencing harassment from a collection agency, notify your original creditor about the situation.
Is American Collection Services a Scam?
According to the Better Business Bureau website, American Collection Services has been in business for 13 years. There have been 2 complaints filed against ACS with the BBB. Read more here: American Collection Services Better Business Bureau.
Who is American Collection Services?
American Collection Services is third party debt collector located in Oklahoma City, Oklahoma. ACS often collects debts on behalf of the original creditor, so it is important to verify that they have proper authorization to act on the creditor’s behalf. They have been a party to over 40 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. These cases often involve multiple parties, including consumers, creditors, and sometimes third parties. Furthermore, a recent Federal Court cases alleges that American Collection Services used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Consumers should always confirm the identity of the original creditor before responding to collection attempts.
🏛️ American Collection Services Address: 3100 SW 59th St Ste A Oklahoma City, OK 73119-6416
📞 Phone: (405) 681-2332
American Collection Services Collection Tactics
If American Collection Services engages in any of the following tactics, you may have a case:
- ➡️ Repeated phone calls intended to annoy or harass you
- ➡️ Use of obscene or profane language
- ➡️ Threats of violence or harm
- ➡️ False statements about the amount you owe
- ➡️ Threatening legal action they cannot take or do not intend to take
- ➡️ Contacting you at inconvenient times or places
Harassment can also occur through text message, email, or other electronic communications, and debt collectors are prohibited from using these methods to harass or threaten you. Do not ignore letters from debt collectors—failing to respond to debt collection letters can make the situation worse, potentially leading to additional interest, fees, or legal action.
American Collection Services Phone Numbers
- 📱 405-682-8088
- 📱 405-681-2332
- 📱 800-657-7318
- 📱 405-681-2332
- 📱 405-682-8088
- 📱 405-681-2332
- 📱 800-657-7318
- 📱 405-681-2332
- 📱 4056828088
- 📱 4056812332
- 📱 8006577318
- 📱 4056812332
If the answer is yes, then you are receiving calls from a known ACS number. You may be a victim of ACS phone harassment. The list above is not all the numbers that ACS uses. The calls can be from different numbers and it still be American Collection Services calling you. Contact our office right away so we can start the process to stop ACS from calling you illegally. Above all, no one should live with harassment!
Collection Services and Consumer Rights
When dealing with a debt collection agency like American Collection Services, it’s crucial for consumers to know their rights under federal law—especially the Fair Debt Collection Practices Act (FDCPA). This law sets strict guidelines for debt collectors and debt collection agencies, ensuring that all collection services follow fair debt collection practices. The FDCPA prohibits debt collectors from using false, deceptive, or misleading tactics, and it strictly forbids debt collection harassment, including excessive calls, threats, abusive language, or profane language.
As a legitimate debt collection agency, American Collection Services is required to respect these federal laws and treat consumers fairly. However, many consumers report unfair practices, such as being contacted at all hours, receiving threats of legal action, or being subjected to abusive or deceptive communications. If you experience any of these abusive practices, you have the legal right to protect yourself.
One of the most effective ways to stop a debt collector from contacting you is to send a written cease-and-desist letter. Under the FDCPA, once a collection agency receives this letter, they must stop contacting you—except to inform you of specific actions, such as filing a lawsuit. This gives you time to verify the debt and decide on your next steps without the stress of constant calls or harassment. You can also request written verification of the debt or a letter of authorization to ensure the debt is legitimate and that the agency has the right to collect.
If a debt collector crosses the line—using threatening language, making false statements, or attempting to collect more than you owe—you may be entitled to damages and attorney fees. The FDCPA allows consumers to file complaints and even lawsuits against debt collection agencies that engage in illegal or abusive practices. Filing a complaint with the Better Business Bureau or seeking a free consultation with an attorney can help you hold the agency accountable and stop the harassment.
Consumers should also be aware of their rights regarding wage garnishment and bank account seizures. Debt collectors cannot threaten to garnish your wages or seize your bank account unless they have obtained a court judgment and are following the law. Any threats or attempts to collect without proper legal documents are violations of your rights.
In Oklahoma City, where American Collection Services is based, consumers have access to resources like the Better Business Bureau and local consumer protection agencies. These organizations can provide guidance, help you file complaints, and connect you with attorneys who specialize in debt collection harassment.
Remember, you have the legal right to be treated with respect and fairness by any debt collection agency. If you’re dealing with excessive calls, threats, or any form of abuse from American Collection Services or another debt collector, don’t hesitate to seek help. By staying informed, keeping records of all communications, and taking action when necessary, you can protect yourself from unfair debt collection practices and ensure your rights are upheld.
American Collection Services Complaints
The following is a sample list of complaints filed against American Collection Services in the past year and can be found on Pacer.gov.
Before filing a complaint or taking legal action against debt collectors for FDCPA violations, consumers should keep a detailed record of all communications and interactions, as this documentation can be crucial for supporting their case.
- 📋 5:92-cv-00953-WEA Smith v.
- 📋 5:92-cv-01057-H Ramirez v.
- 📋 5:92-cv-01974-L Weathers v.
- 📋 5:00-cv-01657-L Cockrum v.
- 📋 5:94-cv-00181-FAD Busby v.
Consumer Rights Law Firm PLLC
If you are being contacted by debt collectors, there is a good chance you are experiencing harassment that may violate your rights. 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. Protecting your money and financial well-being is a key reason to seek legal help. Rather than suffer alone, contact our office to begin the process to stop the American Collection Services 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 Transworld, Inc. call us at (877)700-5790 for immediate assistance or visit our website at
To stop debt collectors from contacting you, it is important to write a cease and desist letter in writing to formally request that they stop, as this is legally effective under the FDCPA.
Success Stories
- 🏆 I was overwhelmed by calls from a collector who kept threatening me with legal action. A friend recommended Consumer Rights Law Firm PLLC, and I’m so glad I reached out. They took over everything — the calls stopped, and I got peace of mind. They even helped me recover $1,000 in damages.
- 🏆 I had no idea what to do when debt collectors started calling every day. The team at Consumer Rights Law Firm PLLC was patient and knowledgeable. They explained my rights, dealt with the collector, and put a complete stop to the harassment. I’d recommend them to anyone in the same situation.
- 🏆 When I contacted Consumer Rights Law Firm PLLC, I was exhausted from weeks of nonstop calls and letters. Their legal team jumped into action and took control. Not only did they stop the calls, but I ended up receiving a settlement for emotional distress. Total professionals!
- 🏆 I was hesitant to get legal help, but I’m so glad I did. Consumer Rights Law Firm PLLC took my case seriously, filed a complaint, and forced the collectors to back off. The entire process was stress-free, and I finally feel empowered. Thank you for standing up for people like me.
FAQs
Who is American Collection Services and why are they calling me?
American Collection Services is a third-party debt collection agency that contacts consumers about unpaid debts. They call because they believe you have a past-due account they are attempting to collect.
Are they allowed to call me so often?
Under the FDCPA, debt collectors can contact you between 8 a.m. and 9 p.m. and should not call repeatedly with the intent to harass you. Excessive calls meant to annoy or pressure you may be considered illegal harassment.
Can American Collection Services call me at work?
They may only call you at work if they reasonably believe your employer allows personal calls and they cannot disclose that the call is about a debt. If you tell them workplace calls are not allowed, they must stop.
Are they using robocalls or spoofed numbers?
Some consumers report receiving robocalls or calls from suspicious or unfamiliar numbers. Automated or prerecorded calls without prior consent may violate federal consumer protection laws.
What constitutes harassment by American Collection Services?
Harassment can include repeated calls intended to annoy or abuse, threats, use of profane language, or publishing or sharing your personal information improperly.
Can I request proof of the debt?
Yes. You have the right to request debt validation within 30 days of initial contact. The collector must provide written proof of the debt before continuing collection efforts.
How do I make them stop contacting me?
You can send a written cease-and-desist letter. After receiving it, the collector may only contact you to confirm communication will stop or to notify you of legal action.
What should I do if they keep harassing despite my requests?
Keep detailed records of all calls, voicemails, and letters. You can file complaints with consumer protection agencies and consider speaking with a consumer rights attorney.
Can I sue American Collection Services for harassment?
Yes. If the agency violates federal or state debt collection laws, you may be entitled to statutory damages, actual damages, and attorney fees.
Can American Collection affect my credit score?
Yes. If a collection account is reported to credit bureaus, it may negatively impact your credit score. Inaccurate or unverifiable information can be disputed.
