Automated Collection Services Phone Harassment?

🚨Automated Collection Services Phone Harassment?

Is Automated Collection Services (ACS) calling you? Stop Automated Collection Services phone harassment. Are they threatening to sue you 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 right to stop Automated Collection Services phone harassment. If a debt collector violated the FDCPA while attempting to collect debts, you may be entitled to up to $1000.00 in statutory damages, along with your attorney fees. The FDCPA outlines the legal and ethical guidelines that govern debt collection practices so that debtors are protected.

💢Automated Collection Services Phone Harassment

Automated Collection Services phone harassment is a big deal that can lead to personal bankruptcies, marital problems, job losses and invasion of privacy. The Federal Trade Commission (FTC) protects debtors from debt collector harassment through the Fair Debt Collection Practices Act (FDCPA). This federal law regulates debt collection practices and prohibits debt collectors from using abusive, unfair or deceptive practices when collecting debts. The FDCPA says debt collectors cannot use obscene or profane language, threats of violence or repeated phone calls to annoy or harass. Debt collectors can report debts to credit reporting agencies as part of their legal collection practices but this must be done in a fair way as outlined by the Fair Debt Collection Practices Act. If a debt collector violates these fair debt collection practices you have the right to sue them.

⚠️Is Automated Collection Services a Scam?

According to the Better Business Bureau website, Automated Collection Services has been in business for 31 years. There have been 12 complaints filed against ACS with the BBB.

Automated Collection Services Better Business Bureau

🔎Who is Automated Collection Services Debt Collection Agency?

Automated Collection Services is a third party debt collector located in Nashville, Tennessee. ACS has been a party to a Federal Court case over 70 times. They have been accused of Automated Collection Services phone harassment and using illegal and harassing communication tactics to try to get a payment from the harassed consumer. Understanding federal laws is key as they regulate debt collection practices and provide a framework for suing debt collectors.

Address: 2802 Opryland Dr.Nashville, TN 37214-1200

Phone: (615) 361-6997

Automated Collection Services is often referred to or searched for by other names. These include:

automated collection services acsi collection acsi collections acsi group acsi collection agency acsi nashville acsi nashville tn what is acsi acsi student loan automated collection services inc asci group acsi debt collector 8664929902 automated collection acsi student loans acsi debt collection automated collections acsi collection agency student loans 2802 opryland drive nashville tn acsi inc acsi phone number zulily reviews bbb collection agency nashville tn collection agencies in nashville tn automated debt collection calls my acsi account 8664929902 acsi collection my acsi acsi security sprint collections agency acsi collection agency student loans acsi debt collection acsi report tn debt collection laws acsi website acsi debt collector acsi student loan lawsuit against zulily automated collection services report automated calls automated collection services inc acsi

🏷️Types of Debt They Collect

Automated Collection Services, Inc. (ACSI) collects debts related to education, healthcare, government and financial industries. This includes:

• Student loan debt: ACSI collects overdue student loans, working with educational institutions and loan servicers to recover funds.
• Medical bills: They collect unpaid medical bills on behalf of healthcare providers, so hospitals and clinics get paid.
• Government debts: ACSI collects various government related debts including unpaid taxes and fines.
• Credit card debt: They work with credit card companies to recover outstanding balances from cardholders.
• Car loans: ACSI collects overdue payments on car loans, helping financial institutions manage their auto loan portfolios.
• Mortgage debt: They collect delinquent mortgage payments, working with lenders to resolve outstanding home loan debts.

By contacting individuals on behalf of creditors, ACSI tries to arrange payment or resolution of these debts, so creditors get paid.

Automated Collection Services, Inc. (ACSI) is a debt collection agency that collects education, healthcare, government and financial debt. ACSI is a real debt collection agency with credentials, accredited by the Better Business Bureau (BBB) with an A+ rating. However ACSI has multiple complaints on its BBB profile and the CFPB consumer complaint database. Despite being accredited ACSI debt collectors must comply with the FDCPA which prohibits them from using abusive or deceptive practices. Automated Collection Services Phone Harassment can be stressful, especially if they threaten to report you to the credit reporting bureaus or sue you for the debt. Remember you have the right to debt validation before taking any action on a debt.

🔄Automated Collection Services Fair Debt Collection Practices

If Automated Collection Services uses any of the following tactics you may have a case of Automated Collection Services phone harassment:

• Using profanity or abusive language
• Calling you before 8:00 a.m. or after 9:00 p.m.
• Calling you multiple times a week
• Talking to others about your debt
• Calling your workplace
• Threatening to sue you, harm you or destroy your credit
• Telling you or anyone else that you’ve committed a crime
• Calling for the wrong person
• Failing to notify you of your right to dispute the debt
• Trying to collect more than legally allowed

Automated Collection Services may collect credit card debt.

📲Automated Collection Services Phone Numbers

866-492-9902, 615-361-6997, 800-445-1736, 615-361-8809, (615) 361-6997, (800) 445-1736, (615) 361-8809, 6153616997, 8004451736, 6153618809 615-469-2795 615-469-2796 615-469-2797 615-469-2798 615-469-2799 615-469-2800 615-469-2801 615-469-2802 615-469-2803 615-469-2804 615-469-2805 615-469-2806 615-469-2807 615-469-2808 615-469-2809 615-469-2810 615-469-2811 615-361-4816 615-366-5427 615-361-6422 615-361-6753 615-361-6997 615-361-7062 615-499-7070 615-365-7257 615-365-7258 615-365-7264 615-365-7265 615-365-7266 615-365-7267 615-365-7268 615-365-7269 615-365-7270 615-361-8158 615-361-8809 629-203-5503 629-203-5504 629-203-5505 629-203-5506 629-203-5507 629-203-5508 629-203-5509 629-203-5510 629-203-5511 629-203-5512 629-203-5513 629-203-5514 629-203-5515 629-203-5516 629-203-5517 629-203-5518 629-203-5519 629-203-5520 629-203-5521 629-203-5522 629-203-5523 629-203-5524 629-203-5525 629-203-5526 629-203-5527 629-203-5528 629-203-5529 629-203-5530629-203-5531 629-203-5532 629-203-5533 629-203-5534 629-203-5535 629-203-5536 629-203-5537 629-203-5538 629-203-5539 629-203-5540 629-203-5541 629-203-5542 629-203-5543 629-203-5544 629-203-5545 629-203-5546 629-203-5547 629-203-5548 629-203-5549 629-203-5550 629-203-5551 629-203-5552 629-203-5553 629-203-5554 629-203-5555 629-203-5556 629-203-5557 629-203-5558 629-203-5559 629-203-5560 629-203-5561 629-203-5562 629-203-5563 629-203-5564 629-203-5565 629-203-5566 629-203-5567 629-203-5568 629-203-5569 629-203-5570 629-203-5571 629-203-5572 629-203-5573 629-203-5574 629-203-5575 629-203-5576 629-203-5577 629-203-5578 629-203-5579 629-203-5580 629-203-5581 629-203-5582 629-203-5583 629-203-5584 629-203-5585 629-203-5586 629-203-5587 629-203-5588 629-203-5589 629-203-5590 629-203-5591 629-203-5592 629-203-5593 629-203-5594 629-203-5595 629-203-5596 629-203-5597 629-203-5598 629-203-5599 629-203-5600 629-203-5601 629-203-5602 615-469-2658629-203-5531 629-203-5532 629-203-5533 629-203-5534 629-203-5535 629-203-5536 629-203-5537 629-203-5538 629-203-5539 629-203-5540 629-203-5541 629-203-5542 629-203-5543 629-203-5544 629-203-5545 629-203-5546 629-203-5547 629-203-5548 629-203-5549 629-203-5550 629-203-5551 629-203-5552 629-203-5553 629-203-5554 629-203-5555 629-203-5556 629-203-5557 629-203-5558 629-203-5559 629-203-5560 629-203-5561 629-203-5562 629-203-5563 629-203-5564 629-203-5565 629-203-5566 629-203-5567 629-203-5568 629-203-5569 629-203-5570 629-203-5571 629-203-5572 629-203-5573 629-203-5574 629-203-5575 629-203-5576 629-203-5577 629-203-5578 629-203-5579 629-203-5580 629-203-5581 629-203-5582 629-203-5583 629-203-5584 629-203-5585 629-203-5586 615-469-2658629-203-5531 629-203-5532 629-203-5533 629-203-5534 629-203-5535 629-203-5536 629-203-5537 629-203-5538 629-203-5539 629-203-5540 629-203-5541 629-203-5542 629-203-5543 629-203-5544 629-203-5545 629-203-5546 629-203-5547 629-203-5548 629-203-5549 629-203-5550 629-203-5551 629-203-5552 629-203-5553 629-203-5554 629-203-5555 629-203-5556 629-203-5557 629-203-5558 629-203-5559 629-203-5560 629-203-5561 629-203-5562 629-203-5563 629-203-5564 629-203-5565 629-203-5566 629-203-5567 629-203-5568 629-203-5569 629-203-5570 629-203-5571 629-203-5572 629-203-5573 629-203-5574 629-203-5575 629-203-5576 615-469-2658615-469-1821 615-690-1816 615-467-1817 615-690-1817 615-467-1818 615-690-1818 615-467-1819 615-690-1819 615-467-1820 615-690-1820615-690-1891 615-690-1892 615-690-1893 615-690-1894 615-690-1895 615-690-1896 615-690-1897 615-690-1898 615-690-1899 615-469-2658 615-469-2659 615-469-2660 615-469-2661 615-469-2662 615-469-2663 615-469-2664 615-469-2665 615-469-2666 615-469-2667 615-469-2668 615-469-2669 615-469-2670 615-469-2671 615-469-2672 615-469-2673 615-469-2674 615-469-2675 615-469-2676 615-469-2677 615-469-2678 615-469-2679 615-469-2680 615-469-2681 615-469-2682 615-469-2683 615-469-2684 615-469-2685 615-469-2686 615-469-2687 615-469-2688 615-469-2689 615-469-2690 615-469-2691 615-469-2692 615-469-2693 615-469-2694 615-469-2695 615-469-2696 615-469-2697 615-724-0045 615-844-0159 615-844-0160 615-844-0161 615-844-0162 615-844-0163 615-844-0164 615-844-0165 615-844-0166 615-844-0167 615-844-0168 615-844-0169 615-844-0170 615-844-0171 615-844-0172 615-844-0173 615-844-0174 615-850-1030615-690-1600 615-690-1601 615-690-1602 615-690-1603 615-690-1604 615-690-1605 615-690-1606 615-690-1607 615-690-1608 615-690-1609 615-690-1610 615-690-1611 615-690-1612 615-690-1613 615-690-1614 615-690-1615 615-690-1616 615-690-1617 615-690-1618 615-690-1619 615-690-1620 615-690-1621 615-690-1622 615-690-1623 615-690-1624 615-690-1625 615-690-1626 615-690-1627 615-690-1628 615-690-1629 615-690-1630 615-690-1631 615-690-1632 615-690-1633 615-690-1634 615-690-1635 615-690-1636 615-690-1637 615-690-1638 615-690-1639 615-690-1640 615-690-1641 615-690-1642 615-690-1643 615-690-1644 615-690-1645 615-690-1646 615-690-1647 615-690-1648 615-690-1649 615-690-1650 615-690-1651 615-690-1652 615-690-1653 615-690-1654 615-690-1655 615-690-1656 615-690-1657 615-690-1658 615-690-1659 615-690-1660 615-690-1661 615-690-1662 615-690-1663 615-690-1664 615-690-1665 615-690-1666 615-690-1667 615-690-1668 615-690-1669 615-690-1670 615-690-1671 615-690-1672615-690-1816 615-690-1817 615-690-1818 615-690-1819 615-690-1820 615-690-1821 615-690-1822 615-690-1823 615-690-1824 615-690-1825 615-690-1826 615-690-1827 615-690-1828 615-690-1829 615-690-1830 615-690-1831 615-690-1832 615-690-1833 615-690-1834 615-690-1835 615-690-1836 615-690-1837 615-690-1838 615-690-1839 615-690-1840 615-690-1841 615-690-1842 615-690-1843 615-690-1844 615-690-1845 615-690-1846 615-690-1847 615-690-1848 615-690-1849 615-690-1850 615-690-1851 615-690-1852 615-690-1853 615-690-1854 615-690-1855 615-690-1856 615-690-1857 615-690-1858 615-690-1859 615-690-1860 615-690-1861

If yes, then you are receiving calls from a known ACS number. You may be a victim of Automated Collection Services phone harassment. The list above is not all the numbers that ACS uses. The calls can be from a different number and it still be Automated Collection Services calling you. Contact our office right away so we can start the process to stop ACS from calling you illegally. No one should live with harassment!

🌐Initial Contact with a Debt Collector

When dealing with ACSI debt collection, knowing what to expect can make the process less overwhelming. ACSI typically reaches out through phone calls, emails, or letters to inform you about the debt and start the conversation. These first communications, or even potential Automated Collection Services Phone Harassment, might feel stressful, but staying calm and taking notes will help you keep things clear and organized.

Be proactive and open to communication to resolve the debt in a way that works for you. Remember to ask for a debt validation letter to ensure the debt is legitimate and the amount is correct. This step is critical in verifying the debt and protecting yourself from potential errors or scams.

⌛Debt Verification Process

After being contacted by Automated Collection Services, the first thing you should do is request a debt validation letter. This document confirms the amount owed, the original creditor, and proof that the debt is legitimate. This action is vital, especially if you suspect Automated Collection Services Phone Harassment. It’s your right to ask for this and it protects you from paying for a debt that may not even be yours.

Once you receive the debt validation letter, review it carefully to ensure the information is accurate. If you dispute the debt, you can send a dispute letter to ACSI and they must stop collection efforts until they validate. This process ensures you are only paying debts that are rightfully yours and all information is correct.

🎯Resolving Debt with Automated Collection Services, Inc.

To resolve debt with ACSI, you can take several steps to protect your rights and get fair treatment. First, make ACSI validate the debt by sending a written notice within 5 days, providing details of the debt they are claiming. This step is critical as it ensures the debt is legitimate and accurately reported. If you receive a debt lawsuit, respond by drafting and filing an Answer to the case to avoid a default judgment. Also, consider settling your debt with ACSI by offering a portion of the total amount due, usually at least 60% of the debt’s value. Using a debt validation letter can also be an effective way to verify the debt and stop ACSI from calling you.

🛑Stopping Automated Collection Services Phone Harassment

To stop Automated Collection Services phone harassment you can take several steps. Write a letter to the debt collector requesting them to stop contacting you, using sample letter language to make sure the letter is effective. Document all contact and creditor harassment to build a case against the debt collector. If the harassment continues file a complaint with the FTC and the CFPB. In extreme cases of debt collector harassment consider suing the debt collector to seek damages and stop the abusive practices. By taking these steps you can protect yourself from debt collector harassment and get your rights respected.

📂Keeping Records of Contact with Debt Collectors

Keeping good records is key to resolving debt collection issues. Write down details of every call, including who you spoke to, when and what was said. Save copies of emails, letters and agreements to create a paper trail.

This will help you keep track of your interactions with ACSI and, particularly regarding Automated Collection Services Phone Harassment, make sure you’re not being taken advantage of. Remember to keep your records organized and easily accessible in case you need to refer to them later. Detailed records can be helpful if you need to dispute a debt or take legal action against a debt collector.

📋Frequently Asked Questions

Is ACS a scam? No, Automated Collection Services has been in business for 31 years.

Can ACS garnish my wages? Yes, ACS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Also, they can obtain a court order to garnish funds from your bank account.

Can ACS sue me? Yes, ACS can sue you so long as the debt is within the statute of limitations

Can ACS report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report

Can ACS arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.

Here is a sample list of complaints filed against Automated Collection Services in the past and can be found on Pacer.gov.

2:08-cv-02228-ECV Hardy et al v. Automated Collection Services

1:11-cv-03103-LTB Oldacre v. Automated Collection Services1:13-cv-01714-RPM Witt v. Automated Collection Services

1:10-cv-00063-TWT Hall v. Automated Collection Services

1:14-cv-01212-CAP Powell v. Automated Collection Services

⚠️Debt Collection Scams to Be Aware Of

Scammers may impersonate companies like ACSI to trick people into paying debts they don’t owe. Always verify who you’re dealing with by asking for their name, contact info, and a validation letter, and be aware of potential Automated Collection Services Phone Harassment. Real collectors will provide this information and won’t ask for personal info or immediate payment.

Be wary of debt collectors who:

• Use profanity
• Threaten or intimidate
• Call at odd hours or repeatedly
• Ask for payment info over the phone or email
• Claim to be from a government agency or law firm

If you think you’re being scammed, report to the (CFPB) or your state’s attorney general’s office. Protecting yourself from scams, including Automated Collection Services Phone Harassment, is key to managing your finances and only paying legitimate debts.

Consumer Rights Law Firm, PLLC is a law firm that helps clients who are being harassed by debt collectors in any way, including phone calls. Instead of going through it alone, contact our office to start the process of stopping Automated Collection Services phone harassment. We have been helping consumers since 2010. We have an A+ rating with the Better Business Bureau. We can also help with credit reporting company practices and ensure your rights are protected.

If you want to learn more about how to protect yourself and stop Automated Collection Services phone harassment, call us at for immediate help or visit our website.

⭐Testimonials

“I just want to say, Thank You so much Matt! I’m grateful to God that He directed me to click the website. I was overwhelmed with the constant harassment from a debt collector. Thank you so much for all your help. Matt worked all so quick and was able to help me to stop the harassment.”

🔒Bottom Line: Your Rights

Dealing with debt collectors is scary but knowing your rights and having a plan can make it more manageable. Always remember to document every interaction, verify the debt, respond to any pending lawsuits and consider debt settlement. If you’re being harassed by a debt collector don’t hesitate to contact the FTC, CFPB or your state’s attorney general’s office. By knowing your rights and taking action you can stop Automated Collection Services phone harassment and resolve your debt legally and fairly.