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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 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.

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.

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

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 for the debt: Even 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.

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 violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Contact information

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 complaints filed against ACF with the BBB. Read more about them here Atlantic Credit & Finance, Inc. Better Business Bureau

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

Atlantic Credit and Finance is often referred to or searched for by other names. These include:

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

1:16-cv-00199-MJG Anspacher v. Atlantic Credit & Finance

4:11-cv-00660-BSM Laster v. Atlantic Credit & Finance Inc et al

5:18-cv-01886-LCB Guerrier v. Midland Funding LLC et al

2:18-cv-01254-JHE Cooper v. Atlantic Credit & Finance Inc et al

2:09-cv-00776-DB Davis v. Atlantic Credit & Finance et al

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 (877)700-5790 for immediate assistance.

Consumer Rights Law Firm Better Business Bureau

If you are interested in learning more about how to safeguard yourself and prevent harassment from Atlantic Credit & Finance, Inc.. call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com

Check out the links below for more information:


Virginia Attorney General

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Atlantic Credit
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.