AssetCare Phone Harassment?
Is AssetCare (AC) calling you? Stop AssetCare 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.
Debt collectors like AssetCare may use aggressive and illegal tactics, such as demanding payment through repeated phone calls or letters, contacting consumers in ways that violate the law, or even threatening to garnish your wages or access your bank accounts. Some consumers have reported AssetCare falsifying debt or failing to properly notify them about the alleged debt. There have also been cases of AssetCare LLC alleging violations of the FDCPA, such as not contacting consumers or misrepresenting debts. AssetCare, like other debt collectors, attempts to collect debts and sometimes uses unfair or deceptive practices.
You have the legal right to stop AC 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. After learning about your legal rights, always send any dispute or debt validation request via certified mail to ensure you have proof of delivery.
The bad news is that collection accounts from AssetCare can harm your credit, but there are ways to address this. If you receive AssetCare claims that you owe a debt, you have the right to dispute them and should do so promptly.
Is AssetCare a Scam?
According to the Better Business Bureau website, AssetCare has been in business for 3 years. There have been 187 complaints filed against AC with the BBB. In addition to these, there have also been federal complaints filed against AssetCare, which can be found in public records.
AssetCare often collects on medical accounts and other types of consumer debt, such as credit card debt and personal loans, which they purchase from original creditors. If you need to verify AssetCare’s legitimacy, you can use the official phone number provided in their contact information.
AssetCare Better Business Bureau
Who is AssetCare debt collection agency?
AssetCare is third party debt collector located in Sherman, Texas.
Address: 2222 Texoma Parkway, Suite 180
Sherman, TX 75090
Phone: (888) 993-3604
AssetCare Collection Tactics and fair debt collection practices
If AssetCare 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
AssetCare Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
888-993-3604, (888) 993-3604, 8889933604
If the answer is yes, then you are receiving calls from a known AC number. You may be a victim of AC 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 AssetCare calling you. Contact our office right away so we can start the process to stop AC from calling you illegally. Above all, no one should live with harassment!
Consumer Rights and Protections
When dealing with a debt collection agency like AssetCare LLC, understanding your consumer rights and protections is essential. Federal laws such as the Fair Debt Collection Practices Act (FDCPA) are designed to ensure fair debt collection practices and protect consumers from abusive or deceptive tactics by debt collectors. Under the FDCPA, debt collectors must treat you with respect and provide clear information about any alleged debt, including your right to dispute the debt and request validation.
AssetCare LLC, as a debt collection company, is legally required to identify itself as a debt collector when contacting you. They must also provide you with written notice of the debt, including the amount owed and the name of the original creditor. The FDCPA prohibits debt collectors from using false information, making threats, or contacting you at unreasonable times. If a collection agency violates these rules, you have the legal right to seek statutory damages and actual damages, and you may be entitled to have your attorney fees covered.
If you believe AssetCare LLC is violating your rights, you can file complaints with the Federal Trade Commission (FTC), the (CFPB), or your state’s attorney general. These agencies oversee debt collection practices and can take action against collection agencies that break the law. Additionally, the Better Business Bureau (BBB) tracks complaints filed against collection agencies, providing another avenue for consumers to report unfair practices.
Beyond the FDCPA, other federal laws offer further protection. The Telephone Consumer Protection Act (TCPA) restricts the use of automated calls and robocalls by debt collectors, helping to prevent unwanted or harassing phone calls. The Fair Credit Reporting Act (FCRA) ensures that credit reporting agencies and credit bureaus maintain accurate and fair consumer credit reports. If AssetCare LLC reports false or inaccurate information to a credit reporting agency, you have the right to dispute the entry and request its removal, helping to protect your credit score and credit history from negative credit reporting.
If you are contacted about an alleged debt, you can request validation from AssetCare LLC. This means the collection agency must provide proof that the debt is legitimate and that they have the legal standing to collect it. If the debt is not valid, or if you are a victim of identity theft, you can dispute the debt with the credit bureaus and have it removed from your credit reports. This is especially important for medical debt, unpaid medical bills, or debts that may have been placed by a receivables management company without your knowledge.
Consumers also have the option to seek help from a credit repair company or a law firm dedicated exclusively to consumer rights. These professionals can guide you through the process of disputing debts, negotiating payment plans, or even pursuing legal action if a collection agency violates your rights. They can also help you understand your legal obligation regarding any debts and ensure that your consumer credit reports remain accurate and up-to-date.
In summary, knowing your rights under state and federal regulations is the first step in protecting yourself from unfair debt collection activities. By staying informed, requesting validation, and seeking professional help when needed, you can safeguard your financial well-being, avoid further attempts at harassment, and maintain a healthy credit score. If you believe your rights have been violated, don’t hesitate to take action—your legal right to fair treatment is protected by federal law.
Common Questions about your credit report
Is AC a scam? No, AssetCare has been in business for 3 years.
Can AssetCare garnish my wages? Yes, AC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can AC sue me? Yes, AssetCare LLC can sue you so long as the debt is within the statute of limitations, but it is relatively uncommon. Lawsuits are typically only pursued if the debt is significant and not time barred. Additionally, state law may provide extra protections or requirements regarding debt collection lawsuits.
Can AC report my debt to the collection bureaus? Yes, debt collectors are allowed to place the collection account on your credit report. AssetCare may report your debt to a credit bureau, and missed payments can affect how long the debt appears on your credit report. You have the right to dispute any inaccurate information reported to a credit bureau.
Can AC 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.
What is the statute of limitations on debt? The statute of limitations varies by state and type of debt. If a debt is time barred, it means the legal time frame for collecting the debt through a lawsuit has expired, and AssetCare cannot legally sue you for it.
Does AssetCare offer a payment plan? Yes, AssetCare may offer a payment plan as a way to settle or manage your debt. A payment plan allows you to pay off the debt in installments over time. It’s important to review the terms carefully and negotiate if needed to ensure the arrangement is fair.
Does AssetCare do pay for delete? “Pay for delete” is when a debt collector agrees to remove a negative entry from your credit report in exchange for payment. While some collectors may consider this, AssetCare does not typically participate in pay for delete arrangements, and credit bureaus discourage this practice. Always get any agreement in writing.
The following is a sample list of complaints filed against AssetCare in the past and can be found on Pacer.org.
3:99-cv-00515-R-AJB Newell, et al v. Assetcare
3:96-cv-01031-jcs Drinkwine, Steven v. Assetcare
2:10-cv-01282-RDP Howard v. Assetcare
2:10-cv-00413-JTM-PRC Cerajewski v. Assetcare
2:97-cv-00021-SRD Scott v. Assetcare
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 AssetCare 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 AssetCare, call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com. We offer a free consultation to discuss your situation and legal options.
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!!”
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