How can I confirm that a call from American Collections Enterprise is not a phishing attempt?

Always ask for the representative’s name, company address, and a written notice of debt. Verify their information on the company’s official website or with the database.

What should I do if American Collections Enterprise contacts me about someone else’s debt?

Inform them in writing that they have reached the wrong person. They are required by law to stop contacting you once they know they have the wrong individual.

Does paying American Collections Enterprise restart the statute of limitations on a debt?

Yes, in many states, making a partial payment or written acknowledgment can restart the statute of limitations. Always confirm the debt’s age before paying.

How long can American Collections Enterprise keep a debt on my credit report?

A collection account can generally remain on your credit report for up to seven years from the date of the original delinquency, even if it’s paid.

Can I negotiate a settlement with American Collections Enterprise for less than the full amount?

Yes, many collectors are open to negotiated settlements. Request a written agreement confirming that the settled amount will be reported as “paid” or “settled in full.”

American Collections Enterprise Phone Harassment?

Q: How can I stop American Collections Enterprise from calling me incessantly?

Document each call, then send a written cease-and-desist letter requesting they stop contacting you by phone. If they continue, file a complaint with the FTC or CFPB.

Q: Can American Collections Enterprise report me to credit bureaus or hurt my credit score?

Yes. They can report delinquent debts to credit reporting agencies, which may negatively impact your credit score—unless you dispute inaccuracies.

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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American Collections Enterprise Phone Harassment❓

Is American Collections Enterprise (ACE) calling you? Stop American Collections 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 ACE phone harassment. If a collections 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 Collections Enterprise a Scam?

According to the Better Business Bureau website, American Collections Enterprise has been in business for 26 years. However, it is important to note that American Collections is not accredited by the Better Business Bureau, which may contribute to its negative ratings. There have been 32 complaints filed against ACE with the BBB.

Who is American Collections Enterprise?

American Collections is third party debt collector located in Alexandria, Virginia. ACE has received numerous complaints regarding their practices, particularly related to harassing communication tactics. ACE has been a party to a Federal Court case several 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. American Collections Enterprise Address: 205 S Whiting St Ste 500 Alexandria, VA 22304-3632 Phone: (703) 719-9403

American Collections Enterprise Collection Tactics

If American Collections Enterprise engages in any of the following tactics, you may have a case:

➤ Repeated phone calls
➤ Threatening language
➤ Misleading information

If these tactics continue, it may be necessary to seek legal assistance to stop the harassment.

American Collections Enterprise Phone Numbers

📲 703-719-9587
📲 800-208-2234
📲 703-719-9403
📲 (703) 719-9587
📲 (800) 208-2234
📲 (703) 719-9403
📲 7037199587
📲 8002082234
📲 7037199403

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

American Collections and Consumer Rights

American Collections Enterprise Inc, like other debt collection agencies, must comply with the FDCPA and other laws that regulate debt collection practices. Consumers have the right to request verification of debts, and debt collectors must provide this information in a timely and accurate manner. Consumers also have the right to dispute debts and to report any abusive or deceptive practices to the BBB or other consumer protection agencies. It is essential for consumers to understand their rights and to be aware of the resources available to them in case of debt collector harassment.

Debt Collection Laws and Regulations

The FDCPA is a federal law that regulates the practices of debt collectors and protects consumers from abusive or deceptive debt collection practices. The law requires debt collectors to provide proper documentation and verification of debts, and it prohibits them from using threatening or harassing language. The Better Business Bureau (BBB) and other consumer protection agencies also play a crucial role in regulating debt collection practices and providing resources to consumers who have been affected by debt collector harassment.

Resolving Debt Issues

Resolving debt issues can be a challenging and complex process, but there are several steps that consumers can take to address these issues. First, it is essential to understand the debt collection process and to know your rights as a consumer. Consumers should also keep accurate records of all communication with debt collectors, including phone calls, letters, and emails. If a debt collector is engaging in abusive or deceptive practices, consumers can report this behavior to the BBB or other consumer protection agencies. In some cases, it may be necessary to seek the assistance of a consumer rights lawyer or a debt collection harassment attorney to resolve debt issues. By understanding debt collection laws and regulations and by being aware of their rights, consumers can take control of their debt issues and work towards a resolution.

American Collections Enterprise Complaints

The following is a sample list of complaints filed against American Collections Enterprise in the past and can be found on Pacer.gov.

🔗 1:11-cv-01305-RDB Mclarty v.
🔗 8:13-cv-02458-DKC Benitez v.

Consumer Rights Law Firm PLLC

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 Enterprise harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. Our commitment to excellent service ensures that you receive the best possible assistance in stopping harassment from debt collectors.

If you are interested in learning more about how to safeguard yourself and prevent harassment from American Collections. call us at 877-700-5790 or visit our website.

Success Stories

🏆 “ACE sent fake court documents claiming they’d garnish 25% of my paycheck. The firm proved they violated FDCPA §807(4) and state laws – not only did the threats stop, but ACE had to pay me $9,200 AND retrain their staff!”
🏆 “ACE bombarded me with 87 robocalls to my cell after I revoked consent. Consumer Rights Law Firm PLLC sued under TCPA §227(b)(1)(A) and secured a $4, 300 se ttl e m e n t - t ha t^{'} s n e a r l y$ 50 per illegal call!”
🏆 “ACE fabricated FIVE different collection accounts on my credit report. The team filed FCRA §623(a) disputes with all three bureaus. Result? All accounts deleted and my score jumped 157 points in 45 days!”
🏆 “When ACE started calling my church leadership about a medical debt, the firm sued for FDCPA §805(b) third-party disclosure and intentional infliction of emotional distress. The $12,000 settlement is the largest in my state this year!”

FAQs

Who is American Collections Enterprise and why are they calling me?

American Collections Enterprise, Inc. (also known as AMCOLLECT) is a third-party debt collector based in Alexandria, VA. They typically call when a debt has been assigned or sold to them.

Are calls from American Collections Enterprise legitimate or a scam?

They are a legitimate debt collection agency. However, always request written debt validation before acknowledging or paying anything to confirm ownership and accuracy.

What laws protect me from harassment by American Collections Enterprise?

Under the federal FDCPA and FTC regulations, debt collectors cannot harass, threaten, call before 8 AM or after 9 PM, or use abusive language.

How can I stop American Collections Enterprise from calling me incessantly?

Document each call, then send a written cease-and-desist letter requesting they stop contacting you by phone. If they continue, file a complaint with the FTC or CFPB.

Can I dispute the debt they’re calling about?

Yes. Within 30 days of their first contact, they must provide a validation notice. You can request written validation, and if they can’t validate, they must cease collection efforts.

Can American Collections Enterprise report me to credit bureaus or hurt my credit score?

Yes. They can report delinquent debts to credit reporting agencies, which may negatively impact your credit score—unless you dispute inaccuracies.

What can I do if American Collections Enterprise uses abusive or threatening language?

Abusive or threatening communication is illegal under FDCPA/FTC rules. Save recordings or notes and you may be able to sue for statutory damages up to $1,000, plus actual costs and attorney fees.

If I tell them to stop calling, will that make them sue me?

No. You have the right to request no phone contact. They can continue collection via mail or filing a lawsuit where legally appropriate, but stopping calls does not immediately trigger a lawsuit.

Can I sue American Collections Enterprise for violating my rights?

Yes. If they violate laws like the FDCPA or TCPA—through harassment, false statements, or abusive calls—you can sue and recover damages, including legal fees.

What should I do if I never owed this debt or the statute of limitations has expired?

Send a written dispute and request validation. If the debt is invalid or time-barred, they must stop collection efforts and cannot report it. You may also file complaints and consult an attorney.

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.