Atlantic Credit & Finance Inc Phone Harassment?

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Atlantic Credit & Finance

Atlantic Credit & Finance Inc Calling?

Is Atlantic Credit & Finance Inc (ACF) calling you? When you fall behind on your bills, it’s only a matter of time before you begin to get calls, letters, or other communications from debt collectors. Creditors and businesses hire debt collectors to pursue debts on their behalf. You do not actually owe the debt collector. They are just pursuing the debt on behalf of your original creditor. The Fair Debt Collection Practices Act (FDCPA) regulates communications between debt collectors and consumers to ensure that interactions are fair and do not involve harassment or improper tactics.

However, this does not mean that when a debt collector calls you, it automatically means you owe. Debt collectors make mistakes and call the wrong numbers sometimes. This is why you should seek to verify a debt before making any plans to pay it. Verifying a debt also helps address concerns about unfair, deceptive, or illegal debt collection practices.

Debt collectors are not allowed to harass you in any way when trying to get you to pay a debt. If a debt collector is beginning to threaten your peace of mind and harass you, they are violating your rights. There are laws that guide debt collection and they frown against any form of debt collection harassment. If you are experiencing debt collection harassment, call us now on (877)700-5790.

Introduction to Debt Collectors

Debt collectors, such as Atlantic Credit & Finance play a major role in the world of debt collection. These companies, often known as debt buyers, purchase unpaid debts from original creditors—like banks or credit card companies—at a reduced price. Once they own the debt, companies like Atlantic Credit and Finance Midland Funding (a subsidiary of Encore Capital Group), and other debt collectors attempt to collect the full amount from consumers.

Understanding how these debt buyers operate is essential for anyone dealing with debt collection. Debt collectors must follow fair debt collection practices as outlined in the Fair Debt Collection Practices Act (FDCPA). This law sets clear rules for how debt collectors can communicate with consumers and what tactics they can use. By knowing how companies like Atlantic Credit & Finance and Midland Funding operate, consumers can better protect themselves and respond appropriately to collection attempts.

Understanding Debt Collection

Debt collection is the process by which companies try to recover money from consumers who have fallen behind on their payments. Debt collectors like Atlantic Credit Finance Inc. and Midland Credit Management use a variety of methods to collect debts, including frequent phone calls, mailed letters, and sometimes even legal action. These collection agencies specialize in recovering money owed on credit card debt, loans, and other types of finance agreements.

Consumers may feel overwhelmed by the persistence of debt collectors, especially when faced with repeated phone calls or intimidating letters. It’s important to remember that, under the FDCPA, consumers have rights and protections against harassment and unfair debt collection practices. Knowing these rights can help consumers avoid being harassed or pressured into making payments they may not actually owe. If you’re contacted by a debt collector, take the time to understand your options and ensure that any collection efforts are lawful.

What Should I Not Say To A Debt Collector? 

Speaking with a debt collector requires knowledge. Many people have said things to debt collectors that ended up in their disadvantage. One golden rule for communicating with debt collectors is to say as few words as possible. However, it is not possible to keep shut while the debt collector does all the talking. This is why it is important to know what to say and what not to say.

Below are a few things you should not say to a debt collector.

  • ➡️ Do not tell a debt collector that you accept responsibility or admit liability for the debt: Even if you owe the debt, there’s absolutely no reason why you should admit it to them. It is always best to keep silent and confirm the debt from your end first.
  • ➡️ Do not tell them your personal problems: Trying to make debt collectors sympathize with you will not work most times. Most debt collectors act insensitive, so it is better not to share personal information that may be sued against you in the future with them.
  • ➡️ Do not give them access to your bank account: Some debt collectors may try to cajole you into giving them access to your account. Don’t fall for it.
  • ➡️ Do not tell them about how you spent the money you planned to use to settle the debt. most times, this will not elicit sympathy from them.
  • ➡️ Do not volunteer any information to debt collectors: Generally, watch your tongue and remain calm. Don’t fall for the tricks debt collectors may try to use to get you to speak.

Also, do not ignore communications or legal notices from debt collectors, as ignoring them can lead to serious legal and financial consequences.

Atlantic Credit & Finance

Who is Atlantic Credit & Finance Inc?

Atlantic Credit & Finance Inc is a third-party debt collector located in Roanoke, Virginia. ACF has been a party to a Federal Court case over 1224 times. They have been accused of violations of consumer protection laws, including illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Midland Funding, for example, is a subsidiary of Encore Capital Group. Subsidiaries like Midland Funding often operate under the main company’s umbrella to manage specific activities or jurisdictions, and may be involved in legal and regulatory issues related to debt collection practices.

☎️ Atlantic Credit & Finance Address: 3353 Orange Avenue Roanoke, VA 24012

📞 Phone: (540) 772-7800

Is Atlantic Credit & Finance Inc a Scam?

No, they’re a legitimate collection agency. According to the Better Business Bureau website, Atlantic Credit & Finance Inc has been in business for 23 years. There have been 101 consumer complaints filed against ACF with the BBB. Read more about them here Atlantic Credit & Finance Inc Better Business Bureau. It is also recommended to review online feedback and ratings for Atlantic Credit & Finance Inc to better understand customer experiences and the company’s reputation.

Atlantic Credit & Finance Inc Phone Numbers

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

  • 📱 540-772-7800
  • 📱 800-888-9419
  • 📱 (540) 772-7800
  • 📱 (800) 888-9419
  • 📱 5407727800
  • 📱 8008889419

If the answer is yes, then you are receiving calls from a known ACF number. You may be a victim of ACF phone harassment and you should contact us at (877)700-5790.

Debt Collection Process

The debt collection process usually starts when a debt collector, such as Atlantic Credit & Finance purchases a debt from the original creditor. Once the debt is acquired, the collector will attempt to contact the consumer through phone calls, letters, or even emails to collect the outstanding balance. If the consumer does not respond or fails to pay, the debt collector may escalate the situation by filing a lawsuit in court.

Companies like Atlantic Credit and Finance Inc sometimes work with law firms to file lawsuits against consumers who have not paid their debts. If you are sued by a debt collector, it is crucial to respond to the lawsuit promptly—ignoring it can result in a default judgment against you, which may lead to wage garnishment or other legal consequences. Understanding each step of the debt collection process can help you protect your rights and avoid falling victim to unfair or unlawful debt collection practices.

Atlantic Credit & Finance

Rights and Protections

When dealing with debt collectors like Atlantic Credit & Finance consumers are protected by the Fair Debt Collection Practices Act (FDCPA). This federal law prohibits debt collectors from using unfair, deceptive, or abusive tactics to collect debts. Under the FDCPA, you have the right to dispute a debt, request written validation of the debt, and demand that the collector stop contacting you if you wish.

Additionally, if you believe a debt collector has violated your rights, you can report their actions to the Federal Trade Commission (FTC) or your state Attorney General’s office. Being informed about your rights and protections is the best way to avoid being taken advantage of by debt collectors. By understanding the rules that debt collectors must follow, you can confidently handle any collection attempts and seek relief from unlawful or harassing debt collection practices.

The following is a sample list of complaints filed against Atlantic Credit & Finance Inc in the past and can be found on Pacer.gov.

  • 📋 1:16-cv-00199-MJG Anspacher v.
  • 📋 4:11-cv-00660-BSM Laster v.
  • 📋 5:18-cv-01886-LCB Guerrier v.
  • 📋 2:18-cv-01254-JHE Cooper v.
  • 📋 2:09-cv-00776-DB Davis v.

About Us

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. 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 Credit and Finance Inc. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at for immediate assistance. If you are interested in learning more about how to safeguard yourself and prevent harassment from Atlantic Credit & Finance Inc. call us at 877-700-5790 for immediate assistance or visit our website.


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.