Collection calls can turn a normal day into a constant cycle of stress. When the caller is a debt collector, the pressure often feels intense, especially if you do not fully understand where the debt came from or why the company is contacting you so aggressively. Many consumers describe exactly this situation when they talk about AC Collections Inc and the way it contacts them about alleged debts.
If you are getting repeated calls, letters, or messages and feel that the tone has crossed the line into AC Collections Inc harassment, you should know that you have real legal rights. The law does not expect you to tolerate abuse, lies, or constant disturbance in the name of collecting money.
This guide explains who ac collections inc is, why you might be hearing from them, what behavior counts as illegal harassment, and how you can use federal and state laws to fight back. You will also see how Consumer Rights Law Firm PLLC can step in to stop the harassment and pursue compensation where the law allows.
Who is AC Collections Inc
Public business directories show that the company is a debt collection company located in New Jersey. Manta lists the business under the formal name A C Collections Inc with the following contact information
A C Collections Inc
602 Little Gloucester Road Suite 2
Blackwood New Jersey 08012
Phone 856 232 7710
Additional records from D and B and other directories describe the company as operating in the adjustment and collection services industry since 1999, with a small staff and modest annual revenue.
A separate listing on a collection agency directory shows AC Collections Inc with a registration linked to Sewell New Jersey, using the name this company and describing it as a New Jersey collection agency that helps creditors recover accounts receivable.
Taken together, these sources show that the company is a real collection agency, not a made up name. It either collects debts for other businesses or in some cases may purchase old accounts and then attempt to recover the full amount from consumers.
Why you might be hearing from AC Collections Inc
If they has started to contact you, the company probably believes that you owe money to one of its clients or to an account it now owns. Common situations include
- 👉A medical bill that was not fully paid
- 👉 A utility, telecom, or service account that went past due
- 👉 A credit account or store card that has charged off
- 👉 A business or commercial invoice where you were listed as responsible
Sometimes the original creditor sends a past due account to a collection agency to try to recover it. Other times the creditor sells a package of old delinquent accounts for a discount, and a company then tries to collect as much as possible from each one.
You might also hear from a collector because of a mistake. A previous holder of your phone number may owe money. Your name might match someone else’s account. An insurance adjustment could still be pending on a medical bill. Even if the debt is not really yours, repeated calls to your phone can still feel like this company harassment and you still have rights in that situation.
Is AC Collections Inc a scam or a legitimate company
From a legal and business standpoint, this company is a legitimate collection agency. Corporate records and directories show the company has been operating for many years in New Jersey and holds a license as a mercantile or collection agency out of Sewell.
That does not mean every call you receive using that name is automatically genuine. Scammers sometimes pretend to be known agencies to scare consumers into paying quickly. It also does not mean every tactic used by a real collector is legal. A legitimate company can still break consumer protection laws through harassment, misrepresentation, or unfair practices.
When you get a call from someone who claims to be from ac collections inc, treat it as serious but do not panic. Take time to verify that the person is actually connected to the company and that they have a right to collect. You can do this without agreeing to pay anything on the spot.
How to verify that a call is really from AC Collections Inc
Whenever a caller says they are from AC Collection, gather details before sharing any information. Ask for
- ➡️ The caller’s full name
- ➡️ The company name and mailing address
- ➡️ An account number or reference number
- ➡️ The company phone number where you can call them back
Compare this company phone number and mailing address to independent sources such as business directories and the address in Blackwood New Jersey. The number often listed for the agency in public directories is 856 232 7710 and the primary address is 602 Little Gloucester Road Suite 2 Blackwood New Jersey 08012.
Hang up and contact the company using this independently verified information rather than a number given by a stranger. If the caller refuses to give basic details, pressures you to pay immediately by unusual methods, or becomes angry when you say you want to verify the account, treat that as a serious warning sign.
Even when a call is truly from this company, you are not required to answer every question on the spot. You can insist that they send a written notice and that you will respond in writing after reviewing your records.
What AC Collections Inc harassment can look like
Not all collection contact is harassment. A few polite notices about a genuine debt are allowed. Harassment begins when a collector uses pressure, repetition, or intimidation in a way that would naturally upset or overwhelm a normal person. When this pattern comes from this company it is reasonable to describe it as AC Collections Inc inc harassment.
Examples include
- ✅ Repeated calls in a single day or many times in a week
- ✅ Calls very early in the morning or late at night
- ✅ Messages at obvious bad times such as during your work shift after you said work calls are not allowed
- ✅ Threats of lawsuits, wage garnishment, or arrest without clear explanation or a real plan to follow through
- ✅ Rude comments, insults, or raised voices
- ✅ Refusing to identify the company or to provide basic written details about the debt
Federal regulators such as the have explained that repeated telephone calls intended to annoy, abuse, or harass are unlawful under the Fair Debt Collection Practices Act, and that threats of actions that collectors do not actually intend to take are also illegal.
When the behavior you experience from this company matches these patterns, it is time to treat the situation as more than a simple billing issue.
Your legal protections under the FDCPA and related laws
Most contact from AC Collections Inc will be as a third party debt collector, not as the original creditor. That means the Fair Debt Collection Practices Act usually applies. This federal law governs how collectors contact consumers about personal debts and forbids abusive, deceptive, or unfair practices.
Under the FDCPA, a collector
- ✅ Must clearly identify that they are a debt collector and that the call is about collection
- ✅ Must send you a written validation notice not long after first contact, stating the amount of the debt, the name of the creditor, and your right to dispute
- ✅ Cannot call at times they know are inconvenient
- ✅ Cannot talk to anyone else about your debt except in very limited situations
- ✅ Cannot threaten you with arrest or other extreme consequences when nonpayment is not a crime
- ✅ Cannot use obscene language or insults
You also have a specific right to dispute the debt in writing within a short window after the first notice. Once you dispute, collection efforts should pause until the collector mails back verification.
In addition to the FDCPA, many states have their own collection and consumer protection laws that can provide even more protection, sometimes covering original creditors as well as agencies. A consumer rights attorney can help you understand how these laws work in your state.
How to document every contact
The most powerful tool in dealing with AC Collections Inc harassment is a detailed record of what is happening. Without notes, it is easy for days of calls to blur together. With a log, you can show exactly how often contact occurs and what is being said.
Create a simple notebook or digital document and record each interaction. Write down
- ✔️ The date of the contact
- ✔️ The time
- ✔️ The phone number that appeared on your caller ID
- ✔️ The name of the person who spoke with you
- ✔️ What they asked for and what they said
- ✔️ Any threats, deadlines, or promises
Save voicemail recordings if possible. Take screenshots of text messages or emails. Keep every letter and envelope in a safe folder. Consumer protection agencies regularly advise people to keep this kind of documentation because it can be used as evidence if you file a complaint or lawsuit.
If you later decide to take legal action against AC Collections Inc harassment, this record can show how often they called, whether they ignored your requests, and whether they used improper language or threats.
How to demand written proof of the debt
You are not required to trust what a collector says over the phone. The law gives you the right to see written proof of what they claim you owe. When AC Collections Inc first contacts you, pay attention to the written notice that should follow within a few days. It should state the amount of the debt, the name of the creditor, and information about your right to dispute.
If you do not receive such a notice, or if the information seems incomplete, send a written dispute. In your letter
- ➥ State that you dispute the alleged debt
- ➥ Request the name and address of the original creditor if different
- ➥ Ask for an itemized breakdown of the amount, including principal, interest, and fees
- ➥ Request copies of any contract or account statements they intend to rely on
Mail the letter to the address provided by this company, preferably by a method that gives you proof of delivery. Keep a copy of the letter and the receipt for your records. Once they receive your timely dispute, they should stop collection until they send the requested verification. Continuing to push you while refusing to provide proof can support a claim ofAC Collections Inc harassment and violation of the FDCPA.
Setting firm boundaries on phone calls
Many people feel obligated to answer every call from a collector, but the law does not require that. You have a say in how and when you are contacted.
If calls from this company are disrupting your peace or your work, clearly state your limits. You can tell them
- 👉 That your employer does not allow personal calls and that you consider calls to your workplace unacceptable
- 👉 That certain hours are off limits because of family or health reasons
- 👉 That you prefer all future communication in writing
Make notes in your log every time you communicate these limits. If you can, confirm your request in writing. When a collector keeps calling your job or disturbing you at unreasonable times after you have clearly explained that it is not acceptable, that behavior strengthens any later claim for AC Collections Inc harassment.
In some situations, you can also send a written instruction that directs the collector to stop contacting you entirely, except for very narrow exceptions allowed by law. A consumer rights attorney can help you decide whether this type of letter is appropriate in your situation.
Protecting your credit while you push back
Collectors often mention your credit report as a way to pressure you. It is true that unpaid debts can appear on your credit file, but credit reporting is governed by its own set of laws that require accuracy and fairness.
If they have contacted you, check your reports from the major credit bureaus. Look for
- ➜ Collection entries that use the name AC Collections Inc
- ➜ Entries that list a related creditor and match the amount they are calling about
- ➜ Dates of first delinquency and status information
If you find an entry that is wrong, outdated, or incomplete, you can dispute it directly with the credit bureaus. Explain what you believe is inaccurate and include copies of statements, letters, or other documents that support your position. The bureaus must investigate and remove or correct information that cannot be verified.
Taking these steps can help protect your score and reputation while you work to resolve or challenge the underlying debt. It also shows that you are acting in good faith, even as you stand up to this company harassment.
What to do if AC Collections Inc sues you
In some cases, a collection agency may file a lawsuit in an attempt to obtain a judgment. A judgment can give a collector more tools, such as garnishment or liens, depending on state law. If you receive court papers
- ➡️ Do not ignore them
- ➡️ Read the complaint carefully
- ➡️ Note the deadline for answering
- ➡️ Contact a consumer rights attorney as soon as possible
Even if you believe the debt is old or not yours, you should not pretend the lawsuit does not exist. Failing to respond can result in a default judgment against you, which makes the situation much harder to fix.
An attorney can help you raise defenses, such as the statute of limitations, lack of proof, mistaken identity, or improper assignment of the debt. Documented this company harassment may also become relevant, particularly if the agency misrepresented its rights or misled you about the consequences of nonpayment.
How Consumer Rights Law Firm PLLC can help you
You do not have to stand alone against a collection agency. When the calls, letters, and threats from AC Collections Inc become too much, a knowledgeable consumer rights firm can change the balance in your favor.
Consumer Rights Law Firm PLLC focuses on representing individuals who are dealing with debt collection harassment and related credit issues. The firm’s details are
📌 Consumer Rights Law Firm PLLC
📍 133 Main Street Second Floor
North Andover Massachusetts 01845
📞 Phone 877 700 5790
📩 Email help@consumerlawfirmcenter.com
When you contact the firm, the team can
- ✅ Review your call logs, letters, and emails from ac collections inc
- ✅ Explain how the FDCPA and state laws apply to your situation
- ✅ Advise you on whether the conduct you experienced likely violates those laws
- ✅ Send strong letters instructing the agency to follow the law and stop harassment
- ✅ Demand proper documentation of any alleged debt
- ✅ Negotiate fair resolutions when appropriate
- ✅ File lawsuits seeking statutory damages, compensation for harm, and orders requiring the collector to stop unlawful contact
In many FDCPA cases, if you win, the law provides for recovery of attorney fees. That means you can often pursue your rights without paying hourly legal fees out of pocket. The firm can explain how this works in your state and how your case would be structured.
Most importantly, once a law firm steps between you and this company, the agency knows that every call and letter may be reviewed for legal violations. That alone often changes the tone of communication.
🏆 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. Their expertise in negotiating settlements with debt collectors was invaluable.
“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. The harassment calls stopped, and I was even compensated. As a collection law firm, they provided exceptional legal assistance and ensured my rights were protected. I would recommend this company to anyone going through 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:Massachusetts Attorney General
FAQs
Is AC Collections Inc a real company
Yes. It is a New Jersey collection agency with an address in Blackwood and registration records linked to Sewell as a licensed collection business.
✔️ Why is calling me
They believe you owe money on an account they are collecting, either for a creditor or on a debt they purchased. Sometimes they call the wrong person by mistake.
✔️ Is AC Collections Inc harassment illegal
Harassment by any collector is illegal. Repeated calls, threats, or abusive language can violate the federal
✔️ What is the Company phone number
Business directories list AC Collections Inc phone number as 856 232 7710 at 602 Little Gloucester Road Suite 2 Blackwood New Jersey.
✔️ Can this company sue me
Yes if they believe the debt is valid and still within the time limit. A lawsuit must follow court rules and you have the right to respond and defend.
✔️ What should I do if I do not recognize the debt
Request written validation. Dispute the debt in writing and ask for proof such as statements and the name of the original creditor.
✔️ Can ac collections inc talk to my employer or family
They generally cannot discuss your debt with other people. Limited contact to locate you is allowed but not to reveal details.
✔️ How do I stop constant calls
Tell the agency your contact preferences and ask for written communication. In many cases you can also send a written request to stop calls.
✔️ Can I get compensation for AC Collections Inc harassment
If they violate the FDCPA you may recover up to one thousand dollars in statutory damages plus actual damages and attorney fees.
✔️ How can Consumer Rights Law Firm PLLC help
They can analyze your case, stop unlawful contact, pursue damages, and guide you through every step of dealing with AC Collections Inc.
🎯 Conclusion
When a collection agency starts calling, it is easy to feel outmatched and alone. Yet the law gives you important rights, and those rights apply just as strongly to AC Collections Inc as they do to any other collector. You can ask for proof, demand respect, limit how and when you are contacted, and challenge harassment in court if necessary.
By keeping careful records, insisting on written information, watching your credit reports, and seeking legal help when needed, you can turn a frightening situation into one you can manage. If AC Collections Inc harassment is disrupting your life, Consumer Rights Law Firm PLLC stands ready to help you understand your options, stop the abuse, and move back toward peace and stability.
