Capital Accounts Debt Collection Harassment

Tired of Capital Accounts Debt Collection Harassment? Wish there was a way to make the calls stop? Is Capital Accounts constantly calling and harassing you? Does your phone ring every day, several times per day, because Capital Accounts is calling you to demand payment? Threatening you with legal action? Has Capital Accounts ever used abusive or profane language when speaking with you on the phone? If so, Capital Accounts may be violating your legal rights. Stop the harassment.

The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.


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 Debt Collection Harassment Tactics

If Capital Accounts engages in any of the following tactics, you may have a case:

  • Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
  • Talking to others about your debt
  • Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
  • Use any profane language or any language that is harassing and abusive
  • Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
  • Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
  • Threaten arrest or criminal prosecution
  • Send false information to the credit bureaus
  • Cause a telephone to ring an unreasonable amount of times

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

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


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