If you're getting harassing calls from AA Action Collection Company, you need to know about your rights!
No one is immune to financial setbacks. All it can take is a lost job, debilitating illness, or costly crisis like an unexpected divorce to turn you from someone who always paid their bills to a target of debt collectors.
If this happens to you, never forget that as a consumer you have rights that prohibit collection agencies from deceiving, harassing, and otherwise abusing you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal law that protects consumers from unethical and abusive debt collectors.
Actions like the following can get an agency heavily fined and even shut down if you complain of mistreatment:
- Claiming that you owe an amount that’s not supported by law or the original creditor agreement
- Making threats they cannot legally carry out or have no intention of carrying out
- Calling at inconvenient times, normally before 8:00 a.m. and after 9:00 p.m., in your time zone
- Using the telephone to harass you (e.g. calling every hour and hanging up when the person answers)
- Refusing to prove that a debt is valid and they are authorized to collect it
- Using profane and obscene language
Company Profile: AA Action Collection Company Inc.
AA Action Collection Company Inc., which also does business as Action Collections., is a debt collection company located in Florham Park, New Jersey. It was established in 1954, has less than 10 employees, and is managed by Arthur White.
According to the corporate website, it is a member of the Association of American Credit and Collection Professionals. Civil litigation records retained by the PACER (Public Access to Court Electronic Records) website confirm that consumers who felt they were being harassed by AA Action Collection Company Inc. filed lawsuits to demand the compensation they were allegedly entitled to by law.
Alleged Violations by AA Action Collection Company Inc.
Tracey Belle vs. AA Action Collection Company Inc. et al**
According to PACER, on or around March of 2014, AA Action Collection Company Inc. allegedly began calling New Jersey resident Tracey Belle in an attempt to collect a consumer debt.
During the initial conversation, she denied being responsible for the debt, informed the caller that she was being represented by an attorney, and directed AA to cease calling her.
Despite the request, the calls allegedly continued, with Ms. Belle being threatened with litigation although no lawsuit was ever filed. She later complained that collectors used loud and aggressive tones in an effort to intimidate her into making an immediate payment, causing Plaintiff to feel oppressed.
Feeling harassed by AA Action Collection Company Inc., Ms. Belle hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Contacting her despite awareness that she had retained an attorney
- Failing to send a debt validation letter within five days
- Threatening actions it could not legally take
- Using false, deceptive and misleading means to collect a debt
- Using harassing and oppressive means to collect a debt
Hire an Attorney
The phone numbers for this debt collection agency are:
If you see either one on your caller ID when the phone rings, be aware that you are being called by AA Action Collection Company Inc.. If they threaten lawsuits, use abusive language, and keep calling you directly even after you retain legal counsel, hire a consumer attorney immediately.
They cannot legally contact you when you are represented by an attorney, so if you file a successful claim against AA Action Collection Company Inc. and win your case you could potentially be awarded $1,000 per FDCPA violation in addition to related legal costs and damages.
When a debt collector mistreats you, the law can help you show them the error of their ways.
**Case taken from PACER (www.pacer.gov). File number is Case 2:14-cv-03827-JLL-JAD from the United States District Court for the District of New Jersey.
*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 AA Action Collection Company Inc., or any other third-party collection agency, you may not be entitled to any compensation.