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 at www.consumerfinance.gov 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? Better Business Bureau Information
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.
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 Debt Collectors Collection Tactics
If Association Capital Recovery engages in any of the following tactics, you may have a case:
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 a different number 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!
Is ACR a scam? No, Association Capital Recovery has been in business for 7 years.
Can Association Capital Recovery garnish my wages? Yes, ACR can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. In most cases, a judge must issue a judgment before wage garnishment can occur, except for federal student loans.
Can ACR sue me? Yes, ACR can sue you so long as the debt is within the statute of limitations
Can ACR report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can ACR arrest me?
The following is a sample of complaints filed against Association Capital Recovery in the past and can be found on Pacer.org.
1:14-cv-22390-FAM Girardi v. Association Capital Resources, LLC
About Us
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 855-385-8182 for immediate assistance or visit our website at
Success Stories
“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!!”
