🚨American Coradius International Phone Harassment?
Is American Coradius (ACI) calling you? You can stop American Coradius International phone harassment. Do they threaten to take legal action or garnish your wages? It is crucial to understand consumer rights and navigate the legal aspects, especially in cases of American Coradius suing individuals over debt issues. 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 American Coradius International 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 Coradius a Scam?
According to the Better Business Bureau website, American Coradius is a legitimate debt collection agency. As a third-party debt collection agency, it plays a crucial role in recovering unpaid debts for creditors while adhering to legal obligations under the Fair Debt Collection Practices Act (FDCPA). The company has been in business for 30 years, and there have been 80 complaints filed against ACI Collections with the BBB.
American Coradius Better Business Bureau
🔎Who is American Coradius International?
American Coradius International is an American collection agency located in Buffalo, New York.
📞Contact Information:
Address: 2420 Sweet Home Rd Ste 150
Amherst, NY 14228-2244
Phone: (716) 418-7200
📢American Coradius Collection Tactics
American Coradius International LLC employs a variety of tactics to collect debts from consumers. These tactics include:
- Sending Letters and Notices: ACI often sends letters and notices via mail to inform consumers about their outstanding debts and demand payment.
- Repeated Phone Calls: They make persistent phone calls to consumers, sometimes multiple times a day, to pressure them into paying their debts.
- Skip Tracing Services: ACI uses skip tracing services to locate consumers who have moved or are difficult to reach, ensuring they can continue their collection efforts.
- Reporting to Credit Bureaus: They report debts to credit bureaus, which can negatively impact consumers’ credit scores and create additional pressure to pay.
- Filing Lawsuits: In some cases, ACI may file lawsuits against consumers who fail to pay their debts, seeking legal judgments to enforce payment.
It’s essential for consumers to be aware of these tactics and understand their rights under the Fair Debt Collection Practices Act (FDCPA). If you’re being contacted by American Coradius International, knowing your options and how to respond to their collection efforts is crucial.
📝American Coradius International Reviews Online
Online reviews of American Coradius International are mixed, reflecting a range of consumer experiences. Some common complaints include:
- Harassment and Aggressive Tactics: Many consumers report feeling harassed by frequent and aggressive phone calls and letters.
- Difficulty Resolving Debts: Some consumers find it challenging to resolve their debts or communicate effectively with the agency.
- Billing Issues: There are instances of consumers receiving bills for accounts they never opened or for debts that were already paid.
- Threats of Legal Action: Some consumers have been threatened with lawsuits and wage garnishment, adding to their stress.
On the other hand, there are positive reviews as well:
- Professional Communication: Some consumers have experienced professional and courteous communication from ACI debt collectors.
- Successful Debt Settlement: There are reports of consumers successfully settling their debts and resolving their issues with ACI.
- Helpful Staff: Some consumers have found the staff at ACI to be helpful and knowledgeable, assisting them in navigating their debt situations.
It’s important to take online reviews with a grain of salt and conduct your own research. Understanding your rights as a consumer and knowing how to engage with American Coradius International can help you manage your debt more effectively.
📋Debt Settlement Options
If you’re struggling with debt and being contacted by American Coradius International, several debt settlement options are available to you:
- Negotiating Directly with ACI: You can try to negotiate a settlement directly with American Coradius. This may involve agreeing to pay a lump sum that is less than the total amount owed.
- Working with a Debt Settlement Company or Attorney: Hiring a professional to negotiate on your behalf can be beneficial. They have experience dealing with debt collectors and can often secure better terms.
- Debt Consolidation or Credit Counseling: These services can help you manage your debt more effectively by consolidating multiple debts into a single payment or providing financial counseling.
- Filing for Bankruptcy: As a last resort, bankruptcy can provide relief from overwhelming debt. However, it has significant long-term consequences and should be considered carefully.
Understanding your options and choosing the best course of action for your financial situation is essential. Research the pros and cons of each option and seek professional advice if needed to make an informed decision.
📂American Coradius Collection Tactics
If during the ACI debt collection process, you experience any of the following, you may have a case of American Coradius International Phone Harassment:
- Use of 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
Consumers should also be aware of fraud, such as identity theft or erroneous bills. Debt collectors, including those from American Coradius International, are prepared to assist clients who might be victims of fraud by listening to their concerns and helping to find resolutions.
💡How Long Can American Coradius International Sue Me Over a Debt?
Even though an American collection agency like ACI collections has the ability to sue you for an unpaid debt, there is a statute of limitations for lawsuits. You cannot get sued forever. The statute of limitations for different states varies. It also varies depending on the type of debt involved. For instance, student loans and child support can never really be gotten rid of. However, for other debts, generally, a debt collector cannot legally hold you over a debt if the debt is over 7 years. This doesn’t mean that the debt collector will stop harassing you. They may continue to call and harass you, including potentially engaging in American Coradius International Phone Harassment, even after the statute of limitations but they cannot sue you. It is crucial to respond to a debt collection lawsuit to avoid severe consequences like wage garnishment and property seizure. Many people are not aware of this, so they cower in fear when debt collectors harass them over old debts.
Having old unpaid debts will still have negative effects on your credit score but at least you do not have to put up with legal fees.
It is important to note that although a debt has exceeded its statute of limitations, it can actually be “revived”. Any form of acknowledgment of ownership you make during an ACI debt collection call can make the debt valid again. This means that the debt is now brand new and the clock has started ticking again.
This is why you must never admit to owning a debt when an ACI debt collector calls because it can be to your detriment.
Don’t admit to owing the debt, and don’t agree to pay over the phone. Instead, ask the ACI debt collector to send you everything in writing.
🛡Responding to a Debt Lawsuit
If American Coradius International is suing you, it’s crucial to respond promptly and effectively. Here are some steps you can take:
- Seek Legal Advice: Consult an attorney who specializes in debt collection and consumer law to understand your rights and options.
- Review the Lawsuit: Carefully review the lawsuit to understand the allegations and the amount of debt claimed.
- File a Written Response: Known as an Answer, this response should be filed with the court and a copy sent to American Coradius International’s attorney. This step is critical to avoid a default judgment against you.
- Consider Negotiation: You may be able to negotiate a settlement or debt resolution with ACI, potentially avoiding a court trial.
- Prepare for Court: If the case goes to court, be ready to present your case. Gather all relevant documents and evidence to support your defense.
Responding to a debt lawsuit is a serious matter. Taking it seriously and seeking professional advice can help you navigate the legal process and protect your rights.
📲American Coradius Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-759-2241, 800-753-0613, 716-270-1812, 716-580-6110, 888-400-7760, 716-418-7200, 716-418-7193, 716-995-7300, 716-558-5933, 716-418-7211, 716-418-7194, 855-425-2186, (800) 759-2241, (800) 753-0613, (716) 270-1812, (716) 580-6110, (888) 400-7760, (716) 418-7200, (716) 418-7193, (716) 995-7300, (716) 558-5933, (716) 418-7211, (716) 418-7194, (855) 425-2186, 8007592241, 8007530613, 7162701812, 7165806110, 8884007760, 7164187200, 7164187193, 7169957300, 7165585933, 7164187211, 7164187194, 8554252186, 716-799-8373, 855-425-2186, 716-799-8364,
If the answer is yes, then you are receiving calls from a known AC number. You may be a victim of American Coradius International phone harassment. The list above is not all the numbers that AC uses. The calls can be from a different number and it still be American Coradius calling you. Contact our office right away so we can start the process to stop AC from calling you illegally.
📄The following is a sample list of complaints filed against American Coradius in the past year and can be found on Pacer.gov.
9:93-cv-04466-ADS-MLO Sofianos v. American Coradius
1:03-cv-06374 Thompson v. Amer Coradius Inc
1:05-cv-01029 Matherly v. American Coradius Inc et al
5:92-cv-00817-T Johnson v. American Coradius, et al
2:14-cv-05704-JMA-AKT Hakim v. American Coradius Inc. et al
🏛️About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing American Coradius International phone harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop American Coradius International phone harassment you may currently be receiving from ACI USA. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at 877-700-5790 for immediate assistance.
