Association Capital Recovery Phone Harassment?
Is Association Capital Recovery (ACR) calling you? Stop Association Capital Recovery 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 ACR from trying to collect by phone under the FDCPA and TCPA, which limit how often debt collectors can contact you by phone, but may not restrict other methods of communication.
It’s important to document all calls. Debt collectors may also contact you via email, and while phone calls are regulated, email communication is often not explicitly limited by law.
If you visit the ’s website for more information, remember the importance of online security and protecting your personal information when using such resources.
Introduction to the Issue
Dealing with debt collectors such as Association Capital Recovery can quickly become overwhelming, especially if you find yourself receiving calls multiple times a day. Many consumers are unsure how to respond when they start getting calls about a debt, but it’s important to know that you have rights and protections under the law. The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) are designed to prevent harassment and set clear limits on how debt collectors can contact you. If you feel harassed or threatened by the number of calls or the tactics used, you are not alone—and you have options.
One of the first steps you can take is to check the Better Business Bureau (BBB) website to learn more about Association Capital Recovery’s business practices and performance. The BBB allows you to file a complaint, review the company’s rating, and see how other consumers have addressed similar issues. This can help you make informed decisions about how to proceed and protect yourself from further harassment.
Ignoring repeated calls or assuming you have no recourse is a common mistake. Instead, take action by documenting each call, noting the time, number, and type of communication. If the calls continue or become more aggressive, consider contacting a law firm experienced in dealing with debt collectors. You can also visit the ’s website to learn more about your rights and how to file a complaint.
Remember, you are allowed to protect yourself from harassment, and there are laws in place to support you. Don’t hesitate to use resources like the BBB, legal professionals, and official websites to take control of the situation and stop unwanted calls from Association Capital Recovery or any other debt collector.
Is Association Capital Recovery a Scam?
According to the Better Business Bureau website, on the BBB page for Association Capital Recovery, the company has been in business for 7 years. There have been 2 complaints filed against ACR with the BBB. Read more here: Association Capital Recovery Better Business Bureau.
Who is Association Capital Recovery?
Association Capital Recovery is third party debt collector located in Saint Johns, Florida. 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: 450 State Road 18 Suite 166 Saint Johns, FL 32259
Phone: (904) 301-0101
Association Capital Recovery Collection Tactics
If Association Capital Recovery engages in any of the following tactics, you may have a case:
- ➡️ It is illegal for a debt collector to lie or use lying as a tactic to collect a debt.
- ➡️ Collectors must act in a reasonable manner and not use threats or deception.
- ➡️ Harassing you with repeated phone calls.
- ➡️ Using obscene or profane language.
- ➡️ Threatening violence or harm.
- ➡️ Publishing your name for refusing to pay a debt.
- ➡️ Falsely claiming to be attorneys or government representatives.
- ➡️ Threatening arrest or legal action they cannot take.
- ➡️ Advising you to write down and keep a record of all instances of harassment, including dates, times, and the content of calls or messages.
- ➡️ Keep all records and written communications as evidence, including any writing you send or receive from the collector.
Association Capital Recovery Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- ☎️ 904-301-0101
- ☎️ (904) 301-0101
- ☎️ 9043010101
If the answer is yes, then you are receiving calls from a known ACR number. You may be a victim of ACR phone harassment. The list above is not all the numbers that ACR uses. The calls can be from different phone numbers and it still be Association Capital Recovery calling you. Contact our office right away so we can start the process to stop ACR from calling you illegally. Above all, no one should live with harassment!
Complaints Against Association Capital Recovery
The following is a sample of complaints filed against Association Capital Recovery in the past and can be found on Pacer.gov.
- 📝 1:14-cv-22390-FAM Girardi v. Association Capital Resources, LLC
Consumer Rights Law Firm PLLC
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 Association Capital Recovery harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Association Capital Recovery. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
🏆 I admit I was skeptical when I first called but after talking to Matt, I knew that him & his team knew what they were doing. I had a creditor calling me & making threats. They also called my family. I felt I HAD to pay them to make them stop. Matt informed me that what they were doing was illegal. He got the calls to stop, got my debt cleared, & I didn’t have to pay a cent to them. On top of that, they were able to get me money BACK! They exceeded my expectations & I will be using them again & refer them 1000 times to anyone/everyone.
🏆 Consumer Rights Law Firm was very professional and quick to take action. They investigated my situation and helped with the threats and harassment. I’m not sure what I would have done if not for this Firm’s quick action! They told me what to do and answered all my questions. They kept an open line of communication with me throughout the whole process. There were no out-of-pocket costs or fees! Thanks for helping through this rough time! They are highly recommended!!!
🏆 I stumbled across Consumer Rights Law Firm by chance and I am so grateful. They was very professional, and quick to take action. They got the harassing phone calls to stop. I didn’t have to pay them any up front costs or fees for their services. I highly recommend them to anyone dealing with threatening and harassing calls.
Frequently Asked Questions
Why is Association Capital Recovery calling me?
Association Capital Recovery may be contacting you to collect a debt on behalf of a creditor. They are a third‑party debt collection agency that reaches out about outstanding accounts.
What constitutes phone harassment by Association Capital Recovery?
Phone harassment by Association Capital Recovery may include repeated calls, calling at inconvenient hours, threatening legal action, or continuing to call after you’ve asked them to stop.
Are robocalls from Association Capital Recovery legal?
Robocalls from Association Capital Recovery may be illegal if you did not give prior written consent or if the calls violate the hours/time‑rules under the TCPA or other collection laws.
Can I stop Association Capital Recovery from contacting me?
Yes. You may send Association Capital Recovery a written cease‑and‑desist letter asking them to stop calling you. Under the FDCPA they must stop most communication except legally permitted notices.
What if I don’t owe the debt Association Capital Recovery is calling about?
If you believe the debt is incorrect, you have the right to dispute it in writing within the required timeframe. Association Capital Recovery must then provide verification of the debt before continuing collection efforts.
Can I sue Association Capital Recovery for harassment?
Yes. If Association Capital Recovery violates your rights under the FDCPA, TCPA or other applicable laws, you may be eligible to take legal action and recover statutory damages.
How should I document harassment from Association Capital Recovery?
Keep detailed records of all calls (date, time, phone number, what was said), save voicemails/texts, and retain all written communications from Association Capital Recovery. This documentation supports any legal claim.
What phone numbers does Association Capital Recovery use to call?
Some consumers report calls from numbers such as 904‑301‑0101 for Association Capital Recovery. But the agency may use other numbers as well.
Can Association Capital Recovery garnish my wages or sue me?
Yes — if Association Capital Recovery obtains a court judgment against you, they may be allowed to pursue wage garnishment or other legal actions. But they cannot threaten these actions falsely.
How can a consumer rights law firm help with Association Capital Recovery phone harassment?
A consumer rights law firm can help you send the cease‑and‑desist letter, evaluate whether Association Capital Recovery violated your rights, negotiate or file a lawsuit, and help you seek compensation.
