American Credit Acceptance Phone Harassment?
Is American Credit Acceptance (ACA) calling you? Stop American Credit Acceptance 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 ACA 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 Credit Acceptance a Scam?
According to the Better Business Bureau website, American Credit Acceptance has been in business for 12 years. There have been 391 complaints filed against ACA with the BBB.
American Credit Acceptance Better Business Bureau
Who is American Credit Acceptance?
American Credit Acceptance is third party debt collector located in Spartanburg, South Carolina. ACA has been a party to a Federal Court case over 4,330 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.
Address: 961 E Main St Fl 2
Spartanburg, SC 29302-2185
Phone: (866) 544-3430
American Credit Acceptance Collection Tactics
If American Credit Acceptance 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
American Credit Acceptance Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
866-544-3430, 866-731-4883, (866) 544-3430, (866) 731-4883, 8665443430, 8667314883
If the answer is yes, then you are receiving calls from a known ACA number. You may be a victim of ACA phone harassment. The list above is not all the numbers that ACA uses. The calls can be from a different number and it still be American Credit Acceptance calling you. Contact our office right away so we can start the process to stop ACA from calling you illegally. Above all, no one should live with harassment!
Common Questions
Is ACA a scam? No, American Credit Acceptance has been in business for 12 years.
Can American Credit Acceptance garnish my wages? Yes, ACA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can ACA sue me? Yes, ACA can sue you so long as the debt is within the statute of limitations
Can ACA report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can ACA 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 sample list of complaints filed against American Credit Acceptance in the past and can be found on Pacer.org.
4:18-cv-04209 Houston v. American Credit Acceptance
7:16-cv-02220-BHH Massaquoi v. American Credit Acceptance
2:16-cv-06582-RK Crews v. American Credit Acceptance
2:14-cv-03640-TON Vaughn v. American Credit Acceptance
1:15-cv-00858-JKB Hopkins v. American Credit Acceptance
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 Credit Acceptance 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 Credit Acceptance. 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
South Carolina Attorney General
FAQ:
1. How can Consumer Rights Law Firm PLLC assist with American Credit Acceptance?
Consumer Rights Law Firm PLLC can help stop harassment from American Credit Acceptance, protect your rights under the FDCPA, and pursue statutory damages if ACA violates debt collection laws.
2. Is American Credit Acceptance a scam?
No, American Credit Acceptance has been in business for 12 years and is a legitimate third-party debt collector, though they have received 391 complaints with the BBB over the years.
3. Can American Credit Acceptance garnish my wages?
Yes, ACA can garnish wages on a federal student loan or if they obtain a court judgment. They must follow proper legal procedures before garnishing your income.
4. Can ACA sue me for a debt?
Yes, ACA can sue you as long as the debt is within the statute of limitations. If a lawsuit is filed, legal representation is recommended to protect your rights.
5. Can ACA report my debt to credit bureaus?
Yes, debt collectors like ACA are allowed to report delinquent accounts to credit bureaus, which can impact your credit score.
6. Can ACA arrest me for unpaid debt?
No, debt collectors cannot have you arrested. Only court orders related to certain debts, like child support or traffic tickets, may result in legal action.
7. What phone numbers does American Credit Acceptance use?
Known numbers include 866-544-3430 and 866-731-4883. Calls may come from other numbers, so always verify before responding to avoid scams.
8. What should I do if ACA is harassing me with phone calls?
Document all calls, send a cease-and-desist letter, and contact a law firm to protect your rights. You may be eligible for damages under the FDCPA.
9. Is it illegal for ACA to threaten legal action or contact my family?
Yes, threatening or harassing you, your family, or neighbors is illegal under the FDCPA. You have the right to stop such communications and take legal action.
10. How can I protect myself from ACA scams?
Verify the caller, do not make payments via untraceable methods, avoid giving personal info, and report suspicious calls to the FCC or a consumer rights attorney.