Stop Armstrong & Associates Phone Harassment
Are you receiving relentless calls from Armstrong & Associates (A&A)? If they are threatening legal action, calling at all hours, or disclosing your debt to others, their tactics may be illegal. You have powerful rights under federal law to stop this harassment, and you may be entitled to compensation.
Consumer Rights Law Firm PLLC helps consumers stop illegal debt collection calls and hold abusive collectors like Armstrong & Associates accountable under the Fair Debt Collection Practices Act (FDCPA).
What’s New in 2026?
The debt collection landscape is constantly evolving. In 2026, we are seeing a rise in “hybrid harassment,” where collectors like Armstrong & Associates combine persistent phone calls with digital pressure through emails and text messages. Increased regulatory scrutiny from the (CFPB) on call frequency and caller ID spoofing makes detailed documentation more critical than ever. Modern scam patterns also involve impersonating legitimate agencies, making verification essential.
Who Is Armstrong & Associates?
Armstrong & Associates is a third-party debt collector based in Mobile, Alabama. While a separate entity with the same name operates in the logistics industry, the debt collection arm has been a party to federal lawsuits alleging illegal communication tactics. According to the Better Business Bureau, the debt collection entity has been operating for years.
Address: 208 Adams St, Mobile, AL 36603-6504
Phone: (251) 432-3523
Recognizing Unlawful Armstrong & Associates Call Patterns
Harassment under the FDCPA isn’t just annoying, it’s a specific legal violation. If Armstrong & Associates engages in any of the following, you are likely experiencing illegal harassment:
- Calling you before 8:00 a.m. or after 9:00 p.m. (your local time).
- Using profane, obscene, or abusive language.
- Threatening violence, arrest, or seizure of property they cannot legally take.
- Calling you repeatedly with the intent to annoy, abuse, or harass.
- Publicly disclosing your debt to family, neighbors, or coworkers.
Your FDCPA Rights Against Armstrong & Associates
The Fair Debt Collection Practices Act (FDCPA) is the federal law that strictly governs how collectors like Armstrong & Associates can operate. It grants you specific rights, including the right to demand they stop calling you, the right to dispute the debt, and protection from false or deceptive statements. If they violate the FDCPA, you may sue for statutory damages up to $1,000, plus actual damages and attorney’s fees. The Federal Trade Commission (FTC) enforces the FDCPA.
The FDCPA is your legal shield against abusive collection tactics, and violations can have financial consequences for the collector.
Armstrong & Associates Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
| # | Standardized Phone Number | Variations Reported |
|---|---|---|
| 1 | (251) 432-3523 | 251-432-3523, (251) 432-3523, 2514323523 |
| 2 | (800) 226-8470 | 800-226-8470, (800) 226-8470, 8002268470 |
| 3 | (205) 561-2802 | 205-561-2802, (205) 561-2802, 2055612802 |
| 4 | (251) 434-0644 | 251-434-0644, (251) 434-0644, 2514340644 |
| 5 | (251) 338-2155 | 251-338-2155, (251) 338-2155, 2513382155 |
| 6 | (800) 940-4357 | 800-940-4357, (800) 940-4357, 8009404357 |
| 7 | (251) 434-6428 | 251-434-6428, (251) 434-6428, 2514346428 |
If the answer is yes, then you are receiving calls from a known A&A number. You may be a victim of A&A phone harassment. The list above is not all the numbers that A&A uses. The calls can be from different phone numbers and it still be Armstrong & Associates calling you. Contact our office right away so we can start the process to stop A&A from calling you illegally. Above all, no one should live with harassment!
Common Armstrong & Associates Violations
Based on consumer complaints and legal filings, common alleged violations by Armstrong & Associates include:
Calling Outside Permitted Hours:
Calls before 8 a.m. or after 9 p.m. are presumptively inconvenient and violate the FDCPA, unless you have given express permission otherwise.
Using Abusive Language or Threats:
The FDCPA explicitly prohibits the use of obscene language, threats of violence, or harm to your person, reputation, or property. Any such threat is a direct violation.
Misrepresentation & False Claims:
Collectors cannot falsely claim you’ve committed a crime, misrepresent the amount you owe, or falsely imply they are attorneys or government agents. For example, threatening immediate arrest for a credit card debt is illegal.
Armstrong & Associates Contact Attempts: A Breakdown of Legal vs. Illegal
Use this table to quickly identify potential violations by Armstrong & Associates.
| Violation Type | Is It Legal? | Governing Law & Reference |
|---|---|---|
| Calls after 9:00 p.m. or before 8:00 a.m. | Illegal | FDCPA, 15 U.S.C. § 1692c(a)(1) |
| Using profane or abusive language | Illegal | FDCPA, 15 U.S.C. § 1692d(2) |
| Threatening arrest or jail time | Illegal | FDCPA, 15 U.S.C. § 1692e(4) |
| Calling your workplace after being told not to | Illegal | FDCPA, 15 U.S.C. § 1692c(a)(3) |
| Discussing your debt with a family member | Illegal | FDCPA, 15 U.S.C. § 1692c(b) |
| Calling multiple times per day | Potentially Illegal | FDCPA, 15 U.S.C. § 1692d(5) – Harassment by frequency |
| Failing to send a written debt validation notice | Illegal | FDCPA, 15 U.S.C. § 1692g(a) |
What To Do After an Abusive Armstrong & Associates Call
Don’t panic. Follow this structured plan to protect your rights and build a case.
Step 1: Verify the Caller is Actually Armstrong & Associates
Scammers often spoof legitimate numbers. Do not provide personal information. Ask for the caller’s full name, company name, mailing address, and a callback number. Legitimate collectors must provide this. Verify the address matches the known Armstrong & Associates address in Mobile, AL.
Step 2: Document Every Detail of the Harassing Call
Write down the date, time, phone number, and the name of the caller. Summarize the conversation verbatim, especially any threats, swearing, or misleading statements. Note if they called outside permissible hours.
Step 3: Send a Formal “Stop Calling” Letter to Armstrong & Associates
You have the right to demand they cease all communication (except to notify you of specific actions, like a lawsuit). Send a certified mail, return receipt requested letter to their official address. This creates a legal record. You can find a sample cease and desist letter from the Consumer Rights Law Firm PLLC.
Immediate, organized action turns you from a target into a protected consumer with documented evidence.
If the harassment is overwhelming or you are unsure how to proceed, consulting with a firm like Consumer Rights Law Firm PLLC can provide guidance on your specific situation and next steps.
How to Record and Log Armstrong & Associates Harassment
Consistent documentation is your most powerful tool. Use a log like the one below. (Check your state’s laws on recording phone calls; some require one-party consent.)
Armstrong & Associates Harassment Call Log
| Date/Time | Caller Name/Number | Summary of Conversation | Violation Noted (e.g., Threat, After 9pm) |
|---|---|---|---|
| 03/15/2026, 9:22 PM | “John” – (251) 432-3523 | Said “you’ll be sorry” if I don’t pay by Friday. | Call after 9 PM, Threatening Language |
| 03/16/2026, 7:45 AM | “Sarah” – (800) 226-8470 | Called 3 times in one hour. Left voicemail demanding immediate callback. | Excessive Calls (Harassment by frequency) |
Reporting Armstrong & Associates to Government Agencies
You can and should report illegal harassment to government regulators. This creates a public record and can trigger investigations.
- File a complaint with the (CFPB). They supervise large debt collectors and use complaint data for enforcement.
- Submit a complaint to the Federal Trade Commission (FTC). The FTC brings law enforcement actions against companies that violate the FDCPA.
- Contact your State Attorney General’s office, such as the Alabama Attorney General.
Or let Consumer Rights Law Firm PLLC handle everything for you from filing complaints with the CFPB and FTC to contacting your State Attorney General, so you don’t have to deal with the stress.
Can You Sue Armstrong & Associates?
Yes. If Armstrong & Associates violates the FDCPA, you have the right to file a lawsuit within one year of the violation. Successful cases can recover up to $1,000 in statutory damages, plus compensation for actual harm (like emotional distress or lost wages), and full payment of your attorney’s fees and court costs. This means you can secure legal representation at no out-of-pocket cost.
Complaints Against Armstrong & Associates
The following is a sample list of complaints filed against Armstrong & Associates in the past year and can be found on Pacer.gov.
| Case Number | Case Name | Defendant | Year (from case #) |
|---|---|---|---|
| 1:19-cv-00036-KD-B | Weaver v. Armstrong & Associates | Armstrong & Associates | 2019 |
| 2:90-cv-02756-JFG-PWG | Doss v. Armstrong & Associates | Armstrong & Associates | 1990 |
| 2:92-cv-01328-ELN | Rosen v. Armstrong & Associates | Armstrong & Associates | 1992 |
| 1:96-cv-00335-RV-M | Barnes v. Armstrong & Associates | Armstrong & Associates | 1996 |
| 1:16-cv-00317-KD-N | Paine v. Armstrong & Associates | Armstrong & Associates | 2016 |
What Does Armstrong & Associates Harassment Sound Like?
Here are authentic examples based on consumer reports:
Voicemail Examples from Aggressive Armstrong & Associates Collectors
“This is your final notice from Armstrong & Associates. Failure to contact us immediately will result in a judgment being filed against you. We will be contacting your employer to verify your employment. Call us back now at…”
(Potential Violation: Threatening action not intended to be taken, contacting employer improperly.)
Common Intimidation Tactics Used by Armstrong & Associates
- The “Imminent Lawsuit” Threat: Implying a lawsuit is being filed “today” or “this week” to create panic, often with no immediate legal action planned.
- The “Wage Garnishment” Bluff: Claiming they will garnish your wages within days, a process that requires a court judgment they do not yet have.
- The “Family Notification” Pressure: Suggesting they will inform your relatives about the debt to shame you into paying.
Get Help With Armstrong & Associates Phone Harassment Today
You do not have to endure threatening and illegal phone calls. If the harassment from Armstrong & Associates is overwhelming or you believe your rights have been violated, professional help is available. Consumer Rights Law Firm PLLC specializes in stopping debt collection harassment and holding companies accountable.
We can help you understand your options, demand the calls stop, and pursue the compensation you may be owed, all at no upfront cost to you. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Contact Consumer Rights Law Firm PLLC for a confidential consultation to stop the harassment and protect your rights.
Success Stories
From the beginning to end, this company went above and beyond for me and I NEVER paid a thing and those annoying collecting calls indeed stopped a week after the team said it would and we all WON!
Hands down worth all 5 stars! Everything that Scott said would happen, happened! He said the calls would stop, the calls stopped. He said no money out of pocket for their services and no money out of my pocket was spent. No more harassing calls, my credit report is being updated, and I’m getting money back! It’s a win-win! Highly recommend if you get a call from this firm, answer it! So worth it!
Frequently Asked Questions (FAQs)
Is Armstrong & Associates a Legitimate Company or a Scam?
Armstrong & Associates is a legitimate third-party debt collector, not a scam. However, legitimate companies can still use illegal harassment tactics, which is why knowing your rights is crucial.
What is Armstrong & Associates’ official phone number?
Their official number is (251) 432-3523, but they may call from various numbers, including 800-226-8470, 205-561-2802, and others.
Can Armstrong & Associates sue me or garnish my wages?
Yes, but only if they obtain a court judgment. Their threats of immediate lawsuit or garnishment are often illegal intimidation tactics if no legal action has actually been filed.
Should I ignore calls from Armstrong & Associates?
Ignoring calls does not make them stop and may lead to increased calls or a legitimate lawsuit. It is better to answer once to verify the debt and then send a formal “cease and desist” letter in writing.
How many times per day can Armstrong & Associates legally call?
The FDCPA prohibits calls with the intent to annoy, abuse, or harass. There is no bright-line number, but courts have found calling more than 7 times a day or after you’ve asked them to stop to be harassment.
What happens if I dispute the debt with Armstrong & Associates?
They must cease collection activity until they provide you with written verification of the debt. This is a powerful right you can invoke by sending a written dispute within 30 days of their initial notice.
Can Armstrong & Associates call my family or employer?
They can only contact third parties to locate you. They cannot discuss your debt, except possibly with a spouse. If they reveal your debt, it is a clear FDCPA violation.
What are the penalties if Armstrong & Associates violates the FDCPA?
You may be awarded up to $1,000 in statutory damages per lawsuit, plus compensation for actual harm. They may also be liable for your attorney’s fees and costs.
How do I get Armstrong & Associates to stop calling permanently?
Send a written “cease and desist” letter via certified mail demanding they stop all communication. Once they receive it, they may only contact you to confirm they will stop or to notify you of specific legal actions.
What should I look for when hiring a lawyer against Armstrong & Associates?
Look for a consumer rights law firm with specific experience in FDCPA litigation, like Consumer Rights Law Firm PLLC. They should offer free consultations and work on a contingency basis, meaning you pay nothing unless they win your case.
