Americollect Phone Harassment?

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Americollect Phone Harassment?

Is Americollect (AC) calling you?

Debts happen to everyone. Due to the unforgiving economic climate, it can be expected to fall behind on a few bills every now and then. Debt collectors often make debtors feel like criminals for owing a debt through their harassment and unfair treatment. Being in debt is not a crime and it is definitely not punishable by law, what is punishable by law is the unethical collection tactics employed by your debt collection agency in the process of collecting a debt. This is why it is incredibly important for people to be aware of the bodies that monitor debt collectors and their activities because anybody can be a victim of debt collection harassment. The debt collection business is subject to strict regulatory oversight to ensure ethical conduct and protect consumers.

Debt collectors’ activities are regulated by The Federal Trade Commission, a body that enforces the Fair Debt Collection Practices Act. Debt collection agencies must comply with specific rules set forth by the FDCPA and other regulations. The FDCPA is a federal law that protects the rights of people from unfair debt collection practices carried out by many debt collectors. The rules outlined in the FDCPA require debt collection agencies to follow strict guidelines regarding communication, disclosures, and ethical standards. Getting called by debt collectors many times a day, at odd hours, or at your workplace after you have asked them not to, is harassment, and is frowned upon by the FDCPA.

The use of deceptive debt collection methods by debt collectors, including but not limited to lying about the amount of debt, lying about their identity as a debt collector, and misrepresenting your credit information, are also a violation of the FDCPA and can get you statutory damages up to $1000 along with your attorney fees.

Understanding your rights in the context of debt collection makes you better prepared to handle debt collectors when they come. If you are being harassed by a debt collector, we can help you. Call us now on 877-700-5790.

What debt collectors are allowed (and not allowed) to do to you

The activities of debt collectors are regulated by laws. They are not limitless or without boundaries. If a debt collector is beginning to make you uncomfortable, they are likely on the wrong side of the law. It is necessary to have the knowledge of these laws to enable you to know when a debt collector is violating your rights. It is also important to be able to identify harassment techniques used by debt collectors so you can protect yourself.

One of the laws that regulate debt collection practices is the Fair Debt Collection Practices Act. The FDCPA prohibits debt collectors from using any collection method that is unfair, abusive, or deceptive. According to the FDCPA, debt collectors are allowed to do the following permissible actions:

  • Call you to discuss your debt
  • Send you letters, messages, and emails about your debts
  • Attempt to recover a debt that has exceeded its statute of limitations
  • Contact your employer about overdue taxes and child support.

Debt collectors must follow established procedures to ensure compliance with these regulations and avoid violations.

But debt collectors are not allowed to do the following to you:

  • Call you many times a day with the intent of annoying and harassing you, including attempting to contact you excessively
  • Call you at odd hours (before 8 am and after 9 pm)
  • Tell any unauthorized third party (including family and friends) about your debt
  • Call your workplace if they are aware that it is not allowed
  • Threaten to harm you
  • Threaten to sue you with no intention of doing so
  • Threaten to send you to jail
  • Threaten to seize your property
  • Try to collect a debt that has been flagged “uncollectible”

When determining whether a debt collector’s conduct is harassing, oppressive, or abusive, it is important to consider what a reasonable person would view as harassment. This evaluation helps in establishing if the collector’s behavior crosses the line into illegal activity.

Who is Americollect?

Americollect is a third-party debt collector located in Manitowoc, Wisconsin. As one of the collection agencies operating in the industry, Americollect acts as a debt collector’s representative, contacting consumers regarding an account that has been placed with them for collection. Americollect collects on behalf of a creditor or creditors, and their representatives may reach out to consumers to discuss outstanding debts. In legal cases, Americollect and consumers are the parties involved, with Americollect pursuing collection activities in accordance with relevant regulations.

Contact Information

Address: 1851 S Alverno Rd

Manitowoc, WI 54220-9208

Phone: (920) 682-0311

Americollect a Scam?

No, they are a legit debt collection agency. According to the Better Business Bureau website, Americollect has been in business for 54 years. There have been 114 complaints filed against AC with the BBB. In federal cases involving Americollect, the plaintiff is the party who brings a lawsuit against the company, often alleging violations of debt collection regulations. Read more about them here Americollect Better Business Bureau

Americollect is often referred to or searched for by other names. These include:

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Americollect Phone Numbers

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

800-838-0100, 920-482-3170, 800-724-0292, 920-686-8891, 888-303-3634, 920-645-6201, 404-564-3639, 855-393-0743, 920-482-3172, 262-649-4081, 616-466-7127, (800) 838-0100, (920) 482-3170, (800) 724-0292, (920) 686-8891, (888) 303-3634, (920) 645-6201, (404) 564-3639, (855) 393-0743, (920) 482-3172, (262) 649-4081, (616) 466-7127, 8008380100, 9204823170, 8007240292, 9206868891, 8883033634, 9206456201, 4045643639, 8553930743, 9204823172, 2626494081, 6164667127

If the answer is yes, then you are receiving calls from a known AC number. You may be a victim of AC phone harassment. After making a complaint or call, you should expect a response from Americollect or the agency regarding your concerns. Call us now on 877-700-5790 for further advice and assistance.

The following is a sample list of complaints filed against Americollect in the past year and can be found on Pacer.org. For more details, visit the official Pacer.org complaint page.

3:16-cv-00389-WCL-CAN Sprouse v Americollect

3:18-cv-00802-RLM-MGG Stamper v. Americollect

2:05-cv-00769-AEG Senft v. Americollect

2:12-cv-00297-WEC Lang et al v. Americollect

2:13-cv-00059-LA Morgan v. Americollect

Dealing with a Collection Agency

Dealing with a collection agency can be a stressful and overwhelming experience for many Americans. It is essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA) to protect yourself from unfair debt collection practices. When a debt collector contacts you, it is crucial to know what to expect and how to respond to their communications.

According to the FDCPA, debt collectors are prohibited from engaging in unfair or deceptive practices, such as making false statements or using harassment to collect a debt. If you believe that a debt collector is violating your rights under the FDCPA, you should contact a law firm that specializes in consumer protection to help you navigate the situation.

When communicating with a collection agency, it is essential to keep a record of all correspondence, including phone calls, letters, and emails. This will help you track any attempts to collect the debt and provide evidence of any unfair practices. You should also be aware of your rights to dispute the debt and request verification of the amount owed.

Pursuant to the FDCPA, debt collectors must provide you with a written notice of the debt, including the amount owed, the creditor’s name, and a statement indicating that the debt will be assumed to be valid unless you dispute it within 30 days. If you dispute the debt, the debt collector must cease collection activity until they provide proof of the debt.

It is also important to note that debt collectors are not allowed to contact you at inconvenient times or places, such as your workplace, or to use abusive language or threats to collect a debt. If you experience any of these practices, you should report them to the Federal Trade Commission (FTC) or your state’s Attorney General office.

In the case of Americollect Inc, there have been several complaints filed against the company for allegedly violating the FDCPA. If you are being contacted by Americollect Inc or any other collection agency, it is crucial to understand your rights and to seek the advice of a consumer protection law firm to help you navigate the situation.

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. We act on behalf of our clients to address issues with debt collectors, whether you owe a debt or have concerns about payments. Our firm has accepted and helped many clients who owe debts or have issues with payments. We advise clients to send a dispute letter via certified mail and to keep all communications in writing, making sure to note the date of each communication for proper documentation. Our actions reflect the needs and interests of our clients throughout the process. We will communicate with you at every step to ensure you are informed and supported. Rather than suffer alone, contact our office to begin the process to stop the Americollect harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

Check out the links below for more information, including published resources and guides:

https://consumer.ftc.gov/articles/debt-collection-faqs

Wisconsin Attorney General

https://consumerlawfirmcenter.com/credit-bureau-of-highplains-debt-collection-harassment/

https://consumerlawfirmcenter.com/collection-agency-phone-harassment/

https://consumerlawfirmcenter.com/marcam-associates-debt-collection-harassment/

https://consumerlawfirmcenter.com/forster-garbus-phone-harassment/

https://consumerlawfirmcenter.com/mountain-land-collections-debt-collection-harassment/

https://consumerlawfirmcenter.com/progressive-management-systems-phone-harassment/

https://consumerlawfirmcenter.com/optimum-outcomes-phone-harassment/

https://consumerlawfirmcenter.com/progressive-management-systems-phone-harassment/

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.