If you’re afraid to answer your phone when it rings, you’re not alone. A lot of people have lost their jobs due to the pandemic or other causes beyond their control, leaving them in dire financial circumstances. When debt collectors start calling, it gets even worse.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act requires all debt collectors to conduct themselves professionally when contacting you about any alleged debt. Under the law, they may not do any of the following:
- Swearing and yelling at you
- Using the phone to harass you
- Threatening to ruin your credit
- Failing to report your dispute to the credit bureaus
- Demanding payment for a debt discharged in bankruptcy
- Persisting in trying to collect a disputed debt
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Company Profile: American Credit Financial, LLC
If you are being called by American Credit Financial, LLC, here are some additional company details.
American Credit Financial, LLC is a debt collection agency headquartered in Norcross, Georgia. It was established in 2016, employs eight people, and is overseen by Dana Taylor. A search of the indexed records at the PACER legal archive confirms that those who thought American Credit Financial, LLC was harassing them refused to be pressured into paying.
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Alleged Violations against American Credit Financial, LLC
According to PACER, on or around June 14, 2019, American Credit Financial, LLC allegedly called a California consumer and left a voice message stating that he had a legal matter pending against him regarding an outstanding debt. When the consumer returned the call and said he was unable to pay, a collector allegedly responded, “You have to pay this debt no matter what.”
When the consumer reiterated that he was unable to make a payment, the collector allegedly said that the company would take him to court and that he would be liable for $9,000 in debt and attorneys’ fees.
Feeling harassed by American Credit Financial, LLC, the consumer fought back by suing the agency for:
Demanding payment during the dispute period
Using abusive collection methods
Threatening legal actions it could not take
The matter was later settled.
![Called By American Credit Financial, LLC? Here's What to Know]()
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Hire a Consumer Lawyer
The phone number for this company is 1-404-994-2905. Seeing it on your caller ID confirms that American Credit Financial, LLC is on the line. If they threaten you with legal action that they cannot take, hire a consumer lawyer and file a claim against American Credit Financial, LLC. If they refuse to settle, they could be ordered to pay you $1,000 per violation, so understand your rights and be prepared to act on them.
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Additional Resource
*Case taken from PACER (pacer.gov). File number is Case 1:19-cv-01438-AWI-JDP from the United States District Court for the Eastern District of California, Fresno Division
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against American Credit Financial, LLC or any other third-party collection agency, you may not be entitled to any compensation.