American Collections & Credit Phone Harassment?

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American Collections & Credit Phone Harassment?

Is American Collections & Credit (AC&C) calling you? Stop American Collections & Credit 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 have the legal right to stop AC&C 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.

A lawyer with clients sitting in the office

Is American Collections & Credit a Scam?

According to the Better Business Bureau website, they have been in business for 19 years.

American Collections & Credit Better Business Bureau

Who is American Collections & Credit?

They are a third party debt collector located in Houston, Texas.

Address: 8700 Commerce Park Suite 130

Houston, TX 77036

Phone: (713) 774-3235

3 people are standing

American Collections & Credit 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

A female lawyer and clients

American Collections & Credit Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

713-774-3235, 713-774-3655, 281-584-7722, 713-774-3394, (713) 774-3235, (713) 774-3655, (281) 584-7722, (713) 774-3394, 7137743235, 7137743655, 2815847722, 7137743394

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

Common Questions

Is AC&C a scam? No, American Collections & Credit has been in business for 19 years.

Can American Collections & Credit garnish my wages? Yes, AC&C can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.

Can AC&C sue me? Yes, AC&C can sue you so long as the debt is within the statute of limitations

Can AC&C report my debt to the collection bureaus?  Yes, Debt collectors are allowed to place the collection account on your credit report

Can AC&C 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.

The following is a complaint filed against American Collections & Credit in the past and can be found on Pacer.org.

4:01-cv-02523 Holt v. American Collections

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 Collections & Credit 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 American Collections & Credit. call us at 855-385-8182 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

Texas Attorney General

FAQ:

1. How can Consumer Rights Law Firm PLLC assist with American Collections & Credit?
Consumer Rights Law Firm PLLC helps stop AC&C phone harassment, protects your rights under the FDCPA, and may help you recover statutory damages for illegal collection practices.

2. How to stop harassing phone calls from debt collectors?
You can stop harassing calls by sending a written cease-and-desist notice, documenting all calls, and seeking legal help if the calls continue, ensuring your rights under the FDCPA are enforced.

3. Why is American Collections & Credit calling me?
AC&C calls to collect debts you allegedly owe. They may contact you repeatedly, attempt to coerce payment, or threaten legal action, but you have rights to stop harassment under federal law.

4. Is American Collections & Credit a scam?
No, AC&C is a legitimate third-party debt collector operating in Houston, Texas, and has been in business for 19 years, though some complaints exist regarding collection practices.

5. Can AC&C garnish my wages?
Yes, AC&C can garnish wages only if they have a valid judgment from a court or for certain federal debts, such as student loans. They cannot garnish wages arbitrarily.

6. Can AC&C sue me?
Yes, AC&C can file a lawsuit if the debt is within the statute of limitations. You have the right to defend yourself, dispute the debt, and seek legal counsel for guidance.

7. Can AC&C report my debt to credit bureaus?
Yes, debt collectors, including AC&C, can report unpaid debts to credit bureaus, which may impact your credit score, but they must follow legal guidelines in doing so.

8. Can AC&C arrest me for a debt?
No, debt collectors cannot arrest you for owing money. Arrest is only possible if you violate a court order or fail to appear in court related to the debt.

9. What are common illegal collection tactics by AC&C?
Using abusive language, calling before 8 a.m. or after 9 p.m., threatening to harm you, contacting your workplace, or talking to others about your debt are illegal tactics under the FDCPA.

10. How do I verify AC&C calls are legitimate?
Check the phone number against known AC&C numbers, confirm the debt details, and avoid sending payment to unverified callers to prevent fraud. Legitimate calls will provide full creditor info and account details.

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.