It is sometimes impossible to stay out of getting into debt. Even when willing to reschedule a debt, or show a creditor that you are determined to repay a debt, the creditor may attempt to recover the debt by using Account Services Collections, Inc, or another third party debt collector to obtain the debt on their behalf. It can be frustrating and demoralizing enough to fall into debt, but unwanted repeated contact by a third party debt collection agency can make things much worse and in some cases frightening or intimidating. It is fortunate that the U.S. federal government has made it illegal for a third party debt collector to try and obtain a debt or make repeated and unwanted calls on a debtor.
What is the FDCPA?
The Federal Debt Collection Practices Act (FDCPA) regulates what third party debt collection agencies like Account Services Collections, Inc. can and cannot do. The FDCPA does not cancel the person’s debt to the person, business or organization it owes it to, but is designed to prevent third party debt collectors from unduly or repeatedly calling debtors about their debt. It also prevents debt collectors from physical or abusive activity towards the debtor. Failure to act in a responsible way as defined by the FDCPA may allow debtors the right to sue the debt collector within 1 year after the first violation of the law.
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What is and What is Not Acceptable Behavior From Account Services Collections, Inc.
Account Services Collection Inc. is defined as a third party debt collection service. That means that it is not owed any money itself as such but is paid by the creditor to recover the debt from a debtor. This is a totally legal activity but the debt collector must not attempt to contact the debtor in antisocial hours or continued to make contact when asked not to.
‘Antisocial’ hours are defined as before 8 a.m. or after 9 p.m. unless the debtor has agreed to ask the debt collector to make contact during these times.
What to Do if Harassed by Account Services Collections, Inc.
You should ask the debt collector to stop contacting you at home or by phone or in antisocial hours if they have attempted to do so without your permission or request. If they refuse to stop contacting you, or use abusive or threatening language or tactics, you have the right to take legal action against them. You can demand damages, including legal fees, as long as it is within one year of the illegal activity by the debt collector.
How an Attorney can Help
Theoretically, you can sue the debt collector, i.e. Account Services Collections Inc., all by yourself, but in practice, you will find that it is far easier to use an attorney to take legal action on your behalf. The attorney will know whether the actions you have described and have evidence of constitute illegal activity by the debt collector and therefore whether it is worthwhile taking the matter to court in an attempt to recover damages.
Additional Resources
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Account Services Collections, Inc., or any other third-party collection agency, you may not be entitled to receive compensation.