Atlantic Collection Agency Phone Harassment?
Is Atlantic Collection Agency (ACA) calling you? Debt collection harassment refers to any unfair, deceptive, and abusive method a debt collector uses to pursue or collect a debt. Debt collection harassment happens in different ways. It ranges from persistent phone calls, repeated phone calls, to threats, to pestering people over debts they may or may not owe, to telling third parties about a person’s debt, and intruding into a consumer’s privacy. After harassment, harassing calls are a common tactic used by debt collectors.
In whatever form it comes, debt collection harassment is always a terrible experience for people on the receiving end. People have filed various complaints about debt collectors’ unfair treatments in time past and laws have been put in place to ensure that debt collectors do not continue to carry out these unethical activities. Debt collection harassment is a crime and it has penalties under the FDCPA.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects debtors’ rights by putting a limit on what debt collectors can and can not do to them. All forms of harassment are frowned upon by the FDCPA.
Nobody deserves to go through the unfair treatments of these debt collectors. Call us now at 877-700-5790 if you are experiencing debt collection harassment.
Who Is A Debt Collector And Why Are They Calling Me?
A debt collector is a person or an agency who pursues debts on behalf of a creditor or lender. Debt collectors may not actually own the debt that you owe, they are just hired by creditors and businesses to pursue debts on their behalf in exchange for a percentage or commission.
Debt collectors may also completely buy a debt from the original creditor, this means that they now own the debt and recover it for themselves. In this case, their main objective is to recover debts using various methods, which may include contacting you directly or taking legal action if necessary. Debt collectors who do this are called debt buyers.
It is always good to pay up debt before a third-party debt collector becomes involved. When a debt collector becomes involved in a debt collection case, you have to pay the debt to them and not your original creditor anymore.
If you are getting calls from a debt collector, below are a few reasons it may be happening;
- ➡️ You may have fallen behind on some of your bills and a debt collector has been given your delinquent account.
- ➡️ The debt collector may just be trying to get the name or address of a friend or family of yours.
- ➡️ Your debt may have been sold to a debt buyer.
Whatever the reason may be, if a debt collector is calling you, do not ignore them. Speak to them and find out the reason for their call, as ignoring a debt that is yours may have serious unintended consequences.
Who is Atlantic Collection Agency?
Atlantic Collection Agency is a debt collection agency based in East Lyme, Connecticut. Atlantic Collection Agency Address: 194 Boston Post Rd East Lyme, CT 06333-1613 Phone: (860) 739-4909
Is Atlantic Collection Agency a Scam?
No, they’re a legitimate collection agency—searches for “atlantic collection agency legit” confirm that they are recognized as a real business. Atlantic Collection Agency is a debt collection company that has been in business for 15 years, according to the Better Business Bureau website. Atlantic Collection Agency collect debts on behalf of various creditors, which can impact your credit report and score. There have been 8 complaints filed against ACA with the BBB. Read more about them here Atlantic Collection Agency Better Business Bureau.
Atlantic Collection Agency Phone Numbers
Are you receiving any harassing phone calls or telephone calls from any of the following phone numbers?
- 📞 860-739-4909
- 📞 860-691-0567
- 📞 (860) 739-4909
- 📞 (860) 691-0567
- 📞 8607394909
- 📞 8606910567
If the answer is yes, then you are receiving calls from a known ACA phone number. You may be a victim of ACA phone harassment. These telephone calls may be related to a collection account that Atlantic Collection Agency is reporting or attempting to collect. Call us now on 877-700-5790 for legal assistance.
Understanding Your Consumer Rights and Protections
When dealing with debt collection agencies like Atlantic Collection Agency, understanding your consumer rights is crucial to protecting yourself from unfair debt collection practices. Federal laws such as the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are designed to safeguard consumers from abusive, deceptive, or misleading actions by debt collectors and collection agencies.
The FDCPA sets clear guidelines for how debt collectors and collection agencies must conduct themselves. Under this law, debt collectors are prohibited from using harassment, threats, or false statements to collect debts. They must also respect your privacy and cannot contact you at inconvenient times or share information about your debt with unauthorized third parties. If a collection agency violates these rules, you have the right to take action under the debt collection practices act.
The FCRA, on the other hand, regulates how credit reporting agencies handle your credit information. This law gives you the right to dispute inaccurate or incomplete information on your credit report, including collection accounts reported by agencies like Atlantic Collection Agency. If you find errors or outdated information on your credit reports, you can request corrections to protect your credit history and financial health.
As a consumer, you have several important rights when dealing with debt collection:
- ▶️ You can request written verification of the debt before making any payments.
- ▶️ You have the right to dispute the debt if you believe it is incorrect or not yours.
- ▶️ You can limit or stop further contact from the debt collector by requesting it in writing.
- ▶️ You are entitled to seek legal counsel if you feel your rights have been violated.
- ▶️ You can file complaints with the Federal Trade Commission (FTC), your state’s Attorney General, or the if you experience unfair debt collection practices.
If you’re struggling with collection accounts or inaccurate information on your credit report, a reputable credit repair company can help you navigate the process. These professionals can assist in disputing errors, negotiating with debt collectors, and removing collection accounts from your credit reports, helping you restore your financial health.
Remember, you have legal remedies available if you are subjected to unfair debt collection practices. Don’t hesitate to seek assistance from a credit repair company or legal counsel to ensure your rights are protected and to stop any harassment from debt collection agencies. Taking action can help you regain control over your financial future and put an end to unwanted collection calls.
The following is a sample list of complaints filed against Atlantic Collection Agency in the past and can be found on Pacer.gov.
- 📋 3:15-cv-01639-AVC Joy v.
- 📋 3:19-cv-01130-JCH Gonzalez v.
- 📋 1:18-cv-12107-NMG Ryan v.
- 📋 0:13-cv-00866-JRT-JSM Hirsch v.
About Us
Consumer Rights Law Firm PLLC helps consumers stop harassment from debt collectors like Atlantic Collection Agency. We offer a free consultation to review your case and explain your legal options. Our firm has assisted consumers since 2010 and holds an A+ BBB rating.
We protect your rights under state and federal laws, helping with debt disputes, credit report errors, and unfair collection practices. Our team can also assist with identity theft–related debts and aggressive actions such as wage garnishment. In many cases, attorney fees are paid by the debt collector.
For help stopping harassment or resolving collection issues, call 877-700-5790 or visit our website.
FAQs
Who is Atlantic Collection Agency and why are they calling me?
Atlantic Collection Agency is a third-party debt collector, often hired by medical providers in New England. If they’re calling, it’s because they believe you owe a past-due medical or consumer debt.
Is Atlantic Collection Agency a legal debt collector or a scam?
They are a legitimate, licensed collection agency. However, you should always request written debt validation to confirm the debt is accurate and actually yours.
What can I do if Atlantic Collection Agency keeps calling me repeatedly?
Document the date, time, and content of every call, then send a written cease-and-desist letter. If the calls continue, file complaints with the FTC or CFPB and consider legal advice.
Are there limits on when and how often they can call?
Yes. Under the FDCPA, collectors may only call between 8 a.m. and 9 p.m., cannot exceed seven calls in seven days about the same debt, and must stop calling if you request it in writing.
Can they legally threaten me with arrest or wage garnishment?
No. Debt collectors cannot threaten arrest. Wage garnishment can only occur after a lawsuit and court judgment.
What if they call my family or my workplace?
Collectors may only contact third parties to locate you. Discussing your debt with family members or your employer is illegal.
Can I dispute the debt if it’s with Atlantic Collection Agency?
Yes. You have 30 days from first contact to dispute the debt in writing and request validation. Collection efforts must stop until verification is provided.
Will Atlantic Collection Agency affect my credit report?
Yes. They may report unpaid debts to credit bureaus, which can lower your credit score. Inaccurate reporting can be disputed.
What should I do if they used a robocall or spoofed number?
Robocalls without consent may violate the TCPA. Keep records of the calls and consider filing a complaint or seeking legal help.
Can I sue Atlantic Collection Agency for harassment?
Yes. Violations of the FDCPA or TCPA may allow you to sue for statutory damages and compensation for actual losses.
