Capital Accounts Debt Collection Harassment? Stop the Calls!

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Capital Accounts Debt Collection Harassment

Sometimes, people get into bad situations in their finances and are not able to get out on time. It’s nobody’s wish to be in debt but sometimes, love has different plans. When you fall behind on your bills, it’s only a matter of time till your account gets sent to a debt collector like Capital accounts. You do not directly owe Capital accounts but if your creditor sends your account to them, they have the legal right to contact you and ask you to pay. So if Capital accounts has been calling you, do not just ignore their calls.

It is necessary to answer capital accounts llc or any other debt collector’s call and listen to what they have to say first before making any decision.

Capital accounts collections may be calling about an old debt, an already settled debt, or a debt that isn’t even yours. But you have to pick the call first to hear what they have to say before responding appropriately.

If capital accounts llc collection agency calls you about a debt you do not recognize, you should immediately ask them to send proof that you owe the debt. This is called a debt validation request. You have the right under the FDCPA to make a debt validation request during Capital accounts debt collection. 

If the debt they’re calling about turns out to be your debt, there’s still no cause for panic. There are different options available for you to pay back. Capital accounts llc does not have to harass you just because you owe. They shouldn’t call you multiple times or threaten you over the phone. That is Capital accounts phone harassment and it is unacceptable and unlawful.

Capital accounts phone harassment includes anything Capital accounts does to annoy you. Be it calling you multiply times intentionally to annoy you, using curse and profane words on you, or threatening you.

Thankfully, you do not have to keep suffering Capital accounts phone harassment. You can put an end it to it.

If Capital accounts debt collection is beginning to make you feel stressed and threatened, your rights are being violated and you can put an end to it. Call us today.

Should you believe everything a debt collector says? 

A debt collector’s primary aim is to get money from you and they will employ any tactic possible to achieve that. Even if it means lying to you.

It is a complete risk to believe everything a debt collector says to you.

Some debt collectors lie about the debt amount, while others lie about the date. In whatever form it comes, misrepresentation of a debt by a debt collector is a violation of the FDCPA.

If a debt collector calls and tells you about a debt, you have the legal right to ask as many questions as possible relating to the debt. You can even make a debt validation request.

Another common lie debt collectors tell people is that they will send them to jail or arrest them if they fail to pay up. This is a lie. Owing a debt is not a criminal offence and no one can send you to jail over it.

You must be careful to double check every information given to you during Capital accounts debt collection to avoid falling for deceit.

If a debt collector lies to you, they have violated the FDCPA and there are penalties for that.

Is Capital Accounts a scam?

According to the Better Business Bureau website, Capital Accounts has been in business since 2003. There have been 140 complaints closed in the last 3 years and 51 complaints closed out in the last 12 months.

Capital Accounts Better Business Bureau


Who is Capital Accounts?

Capital Accounts is third party debt collector located in Nashville, Tennessee. They have been sued in federal court several times for violating consumer’s rights while collecting on alleged debts.  A recent Federal Court cases alleges that Capital Accounts used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Address: PO Box 140065
Nashville, TN 37214
Phone: (800) 282-3214
Fax: (800) 296-3317

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Capital Accounts Phone Numbers             

Are you receiving any harassing phone calls from any of these numbers?

800-282-3214, 800-973-5402, 800-974-5409, 614-295-5890, 714-551-9375, 714-551-9377, 573-767-0233, 800-983-4730.

If so, you may be a victim of Capital Accounts debt collection harassment. The list above is not all the numbers that Capital Accounts uses. Also, calls can be from a different numbers and it still be Capital Accounts calling you.  Contact our office right away so we can start the process to stop Capital Accounts from calling you illegally. Above all, no one should live with harassment.

Common Questions:

Is Capital Accounts a scam? No, Capital Accounts has been in business since 2003.

Can Capital Accounts seize my property? Capital Accounts can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.

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

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

Can Capital Accounts 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.

The following is a sample list of complaints filed against Capital Accounts and can be found on Pacer.org.

1:19-cv-01663-RJD-RML Raymond v. Capital Accounts, LLC

2:19-cv-00122 Waddell v. Capital Accounts, LLC

3:19-cv-00025 Owen et al v. Capital Accounts, LLC

1:18-cv-08303 Wood v. Capital Accounts, LLC

3:18-cv-00782-DJH-RSE Ratliff v. Capital Accounts, LLC et al



Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Capital Accounts debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

Consumer Rights Law Firm, PLLC Better Business Bureau


If you are interested in learning more about how to safeguard yourself and prevent Capital Accounts debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.


Success Stories

“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued , it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately , they were able to put some money in my pocket as well , Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights”

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.”

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”


Check out a links below for more information:


Tennessee Attorney General 

Consumer Financial Protection Bureau





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.