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 is a law firm that specializes in helping clients who are facing harassment from debt collectors. We offer a free consultation to discuss your situation and legal options. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Atlantic Collection Agency, Inc. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
We help protect your legal rights under state and federal laws, including state laws that provide additional consumer protections. If you are experiencing financial strain due to outstanding debts, unpaid debts, or disputes over the debt amount, our firm can help you address these issues and respond to collection efforts and demanding payment from many debt collectors. We have experience in the debt collection industry and can assist with negotiating a payment plan, disputing inaccurate information with credit bureaus and any credit reporting agency, and removing Atlantic Collection Agency or other collections account entries from your credit report. We also advise on strategies to remove collection accounts, including pay for delete negotiations, and can explain the use of a goodwill letter or goodwill letters—though Atlantic Collection Agency does not typically accept goodwill letters or goodwill letter requests, and Atlantic Collection Agency accept policies generally do not allow for such removals.
If you are considering using the atlantic collection agency login portal, we recommend seeking assistance from our firm first to ensure your rights are protected. We can also help you dispute debts resulting from identity theft, and address debts originally owed to a loan company or credit card companies that have been sold to collection agencies. Our firm is experienced in fighting unfair practices by debt collectors and can help you take legal action if necessary, including preventing or responding to wage garnishment. If your case is successful, attorney fees and attorney’s fees may be covered by the debt collector, so you may not have to pay out of pocket.
Most collection agencies do not pursue legal action, but some, like Atlantic Collection Agency, may escalate their collection efforts. We can help you manage these situations and protect your rights. The Telephone Consumer Protection Act (TCPA) also safeguards you from abusive robocalls and automated dialing systems used by debt collectors.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Atlantic Collection Agency, seeking assistance from our law firm can help you resolve credit report disputes, validate debts, and remove atlantic collection agency or other negative entries from your credit report. Call us at 877-700-5790 for immediate assistance or visit our website.
