Is American Credit Management Calling?
Is American Credit Management harassing you with constant phone calls? Do they threaten to take legal action 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 legal right to stop them. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
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 to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Employees at American Credit Management are paid only twice a month, which can significantly impact their overall job satisfaction. This payment schedule may influence their behavior towards debt collection practices.
Introduction to Debt Collection
Debt collection is the process by which creditors attempt to recover funds from individuals or businesses that owe them money. This can involve various stages, starting with initial contact through letters and phone calls, and potentially escalating to legal action if the debt remains unpaid. Understanding the debt collection process is crucial for both creditors seeking to recover funds and debtors navigating their financial obligations, as it outlines the permissible actions and legal protections in place for all parties involved.
Who is American Credit Management Inc?
American Credit Management Inc. is a third-party debt collector located in, Tewksbury, Massachusetts. Although not yet BBB accredited as at the time of this writing, the company was founded in 1996 and has an active BBB file.
🏛️ American Credit Management Address: P O Box 941, Tewksbury, MA 01876-0801
📲 Phone: (978)657-965
Is American Credit Management Inc a legitimate collection agency?
Yes, American Credit Management Inc. is an approved collection agency based in the United States. According to the Better Business Bureau website, ACM has had an active BBB file since 2004 and has had several complaints levelled against them with the BBB. Read more about them here. American Credit Management Inc. Better Business Bureau.
American Credit Management Phone Harassment Examples
If they engage in any of the following tactics, you may have a case:
- 🚫 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
- ❌ Telling you or anyone else that you’ve committed a crime
- 🔁 Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
American Credit Management Phone Number
- ☎️ 978-657-965
Are you receiving any harassing phone calls from the above number? If the answer is yes, then you are receiving calls from a known ACM number. You may be a victim of debt collection harassment. Call us now on 877-700-5790 for further assistance.
Consequences of Phone Harassment
Phone harassment by debt collectors can have severe consequences for individuals and businesses. The Fair Debt Collection Practices Act (FDCPA) regulates debt collection activities, including phone calls, to prevent harassment and abuse. American Credit Management is expected to adhere to these regulations, ensuring that its collection activity is conducted in a professional and respectful manner. Failure to comply with FDCPA regulations can result in significant costs and damage to a company’s reputation. It is essential for debt collectors like American Credit Management to provide clear information about debts, including the amount owed and payment options, to avoid any form of harassment.
Avoiding Phone Harassment
To avoid phone harassment, it is crucial for individuals and businesses to understand their rights under the FDCPA. American Credit Management, as a debt collector, must provide a written notice of the debt, including the amount owed and the name of the creditor, before making any phone calls. Individuals can also request that debt collectors cease communication or limit contact to a specific time and method, such as mail or email. By being aware of these rights and taking steps to protect themselves, individuals and businesses can minimize the risk of phone harassment from debt collectors like American Credit Management.
Seeking Help and Support
If an individual or business is experiencing phone harassment or other issues with debt collectors like American Credit Management, there are several resources available to provide help and support. The Federal Trade Commission (FTC) and the (CFPB) offer guidance on debt collection practices and can assist with complaints. Additionally, the Better Business Bureau (BBB) and other consumer advocacy groups can provide information and support for individuals and businesses dealing with debt collectors. By seeking help and support, individuals and businesses can better navigate the debt collection process and protect their rights.
CONSUMER RIGHTS LAW FIRM PLLC
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. Rather than suffer alone, contact our office to begin the process to stop their harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from thema, call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “American Credit Management called me multiple times a day, sometimes even at odd hours, demanding payment for a debt I didn’t recognize. I felt overwhelmed until I contacted Sanders Law Group. They reviewed my case and discovered American Credit Management had violated the FDCPA by failing to validate the debt and using aggressive tactics. The firm helped me file a complaint, and not only did the harassment stop, but I also received compensation for the violations. Highly recommend their expertise!”
- 🏆 “After disputing a debt with American Credit Management, they kept harassing me without providing proof. A lawyer from NACA’s directory helped me send a certified letter demanding validation under the FDCPA. When American Credit Management failed to respond, the attorney took legal action. The result? The debt was removed from my credit report, and I won a settlement for the illegal collection attempts. Lifesaver!”
- 🏆 “American Credit Management threatened to garnish my wages over an old medical bill. Mike Agruss Law stepped in and found they’d violated laws by misrepresenting the debt’s status. The firm negotiated a full dismissal of the debt and removed it from my credit history. Their team was responsive and fierce—finally, peace of mind!”
FAQs
What qualifies as harassment by American Credit Management?
Harassment includes repeated phone calls intended to annoy, using obscene or profane language, threatening violence, calling before 8 a.m. or after 9 p.m., contacting your workplace after you’ve said no, or disclosing your debt to others—all prohibited under the Fair Debt Collection Practices Act (FDCPA).
Can American Credit Management call me at work?
No—if you’ve informed them your employer doesn’t allow debt calls, they must stop contacting you at work. Continuing to do so may violate the FDCPA.
How many times can American Credit Management call me per week?
They’re limited to seven calls within a seven-day period for each debt, unless you’ve agreed to more contact.
Can they threaten to arrest me or garnish my wages?
They cannot legally threaten arrest if it’s untrue, nor threaten wage garnishment unless a court order exists. False threats violate the FDCPA.
What should I ask when American Credit Management calls?
Ask for their name, company name, the original creditor, the exact amount owed, and request debt validation in writing if it hasn’t been provided.
How long do I have to dispute such a debt?
You have 30 days from receiving the validation notice to dispute the debt in writing. They must stop collection until verification is provided.
How can I make American Credit Management stop calling me?
Send a cease-and-desist letter by certified mail requesting they stop calls. After that, they can only contact you one more time to confirm the request or to notify of legal action.
Can I sue American Credit Management for violation of my rights?
Yes—if they violate the FDCPA, you can sue for statutory damages up to $1,000 plus any actual harm, attorney fees, and court costs.
Can American Credit Management affect my credit score?
Yes—they can report delinquent debt to credit bureaus, which may negatively affect your credit score. You can dispute any mistakes with the bureaus.
