Associated Credit Services Phone Harassment?

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Associated Credit Services Phone Harassment?

Do you keep receiving calls from Associated Credit Services, Inc (ACS) and wish there was a way to stop the ACS phone harassment? Do they call you up at odd hours of the day, when you are either asleep or aren’t fully awake, threatening your peace of mind and personal security? If so, what they are doing is classified as Associated Credit Services phone harassment and it needs to stop. Regardless of the amount of money that you owe, you have rights that ought to be respected throughout the ACS debt collection process.

If you are being treated unfairly over your debt, then ACS debt collection has broken the law and there are several options available to you in terms of how to proceed. The Fair Debt Collections Practices Act has you covered in this instance.

The FDCPA is a federal law that was put in place to regulate the activities of third-party collectors like Associated Credit Services. The FDCPA covers a variety of instances of personal debt, including debts such as mortgages, credit card bills, medical debts, and any other debt that was taken out for personal, family, or household purposes. The laws in your state may, however, offer you more protection in addition to the protection offered by the FDCPA. Consult with your state’s attorney general to find out more.

There are several laws that govern how debt collectors are expected to conduct themselves during the debt collection process. For example, you may not know that Associatedcredit cannot contact you in an unusual place or at an unusual time that they would know is inconvenient, usually, before the hours of 8 am or after the hours of 9 pm.

Associatedcredit must also not harass, intimidate, threaten, or coerce you into payment during the collection process, regardless of how large the size of your debt is. Additionally, they must immediately cease direct communication with you and transfer all further details regarding your debt to the desk of your attorney if they are notified that you have hired an attorney to represent you.

If Associated Credit Services (ACS)  has violated any of your consumer rights during the debt collection process, you may be able to use this to your advantage. Contact our A+ accredited team of attorneys now at 877-700-5790 

Who is Associated Credit Services?

Associated Credit Services is a third-party debt collector located in Westborough, Massachusetts. Established in 1969, ACS recovery is an industry veteran that currently collects delinquent debts on behalf of clients across several industries. Associated Credit Services, Inc is no novice to debt collection cases; the company has been sued several times for violating the FDCPA laws during their dealings with debtors.

Contact Information

Address: 115 Flanders Rd, Suite 140

Westborough, MA 01581-1087

Phone: (800) 531-6500

How to get help if you are being harassed by a Debt Collector

If you have strong reason to believe that a debt collector from Associated Credit Services, Inc has broken the law while trying to retrieve a debt from you, there are a few options available to you regarding what to do. You can either:

  • Send a cease-and-desist letter; this should stop all their communications with you. You must, however, note that it will not cancel out the debt you owe to the agency.
  • File a complaint with the Consumer Financial Protection Bureau and/or your state attorney general
  • Contact an experienced consumer law attorney to take up your case. The third option gives you a fair chance of getting justice and compensation for the violation of your rights. Call a skilled and qualified consumer rights attorney now at 877-700-5790.

Know that any time you are dealing with debt, the smartest thing to do would be to review your credit reports for accuracy, because debt collectors often make mistakes in reporting your debt on your credit report, and errors like that can seriously damage your credit rating; the debt may not even be yours, to begin with. This is why the Fair Credit Reporting Act exists; to provide ways to dispute credit report errors.

Is Associated Credit Services a Scam?

Associated Credit Services, Inc is not a scam. According to the Better Business Bureau website, ACS recovery has been in business for 50 years. There have been 27 complaints filed against ACS with the BBB. Read more about it here: Associated Credit Services Better Business Bureau

Associated Credit Services Phone Numbers

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

800-531-6500, 800-962-9898, 508-366-0888, (800) 531-6500, (800) 962-9898, (508)366-0888, 8005316500, 8009629898, 5083660888,

If the answer is yes, then you are receiving calls from a known ACS number. You may be a victim of ACS phone harassment.  The list above is not all the numbers that ACS uses. The calls can be from a different number and still be Associated Credit Services calling you.  Contact our office right if you have endured debt collection harassment during any of these phone calls.

Common Questions

Is ACS a scam? No, Associated Credit Services has been in business for 27 years.

Can Associated Credit Services garnish my wages? Yes, ACS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.

Can ACS sue me? Yes, ACS can sue you so long as the debt is within the statute of limitations

Can ACS report my debt to the collections bureaus?  Yes, Debt collectors are allowed to place the collection account on your credit report

Can ACS 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 Associated Credit Services in the past year and can be found on Pacer.org.

5:09-cv-04733-PVT Turner v. Associated Credit Services

3:10-cv-00215-CRB Hayashi v. Associated Credit Services

1:91-cv-00297-JFM Tatum v. Associated Credit, et al

2:13-cv-07171-SDW-MCA Lichtenstein v. Associated Credit Service

4:10-cv-00029-A Nickelson v. Associated Credit Services Inc

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 stop Associated Credit Services debt collection 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 Associated Credit Services call us at 877-700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com


Check out the links below for more information:


Massachusetts Attorney General

Consumer Finance









Associated Credit Services 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.