Aggressive and abusive debt collection practices can be a nightmare to consumers going through financial distress. The last thing that someone who is going through a severe illness, divorce, or recent job loss needs is to have a debt collector harassing them at all hours of the day and night.
Learn more about how working with a consumer lawyer can make it stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal that prohibits debt collectors from engaging in certain unethical debt collection activities. Below is a non-exhaustive list of collection strategies that constitute violations of the FDCPA:
- Threatening legal actions they have no intention of carrying out
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Using profane or obscene language
- Demanding high amounts inflated by service ‘fees’
- Revealing details about the debt to anyone but you, your spouse, lawyer, and co-signers.
- Disguising the fact that they are debt collectors trying to collect a debt
Company Profile: ACB Receivables Management, Inc.
If you are being called by ACB Receivables Management, Inc., information about the company is below.
ACB Receivables Management, Inc. is a debt collection office located in Asbury Park, New Jersey. It opened for business in 1948, has 20 to 49 employees, and is managed by its owner, Alex Shnayderman. It presently has a D- rating with the Better Business Bureau.
Records on file at the PACER (Public Access to Court Electronic Records) website indicate that several consumers who believed they were being harassed by ACB Receivables Management, Inc. refused to pay and pursued damages in court.
Alleged Violations against ACB Receivables Management, Inc.
According to PACER, in or around 2012, ACB Receivables Management, Inc. started trying to collect a consumer debt from a Maryland consumer. On or about June or July of 2012, she reviewed her credit report and saw the debt referenced.
She sent the agency a letter requesting verification of the alleged debt and received a response that allegedly did not include the required verification. On September 2, she mailed a cease and desist letter, but claimed to receive more collection letters afterwards.
Feeling harassed by ACB Receivables Management, Inc., she hired a consumer lawyer and sued the agency for allegedly violating the FDCPA in the following ways:
- Ignoring a cease communications letter
- Failing to send a debt validation letter
- Using false, deceptive and misleading means to collect a debt
A judge later ruled in favor of the plaintiff on three out of the four counts.
Hire a Lawyer
The phone numbers for this collection agency are:
If any of them appear on your caller ID when the phone interrupts your evening, it means that you are being called by ACB Receivables Management, Inc. If they fail to properly validate a debt on request and ignore any cease communications letters, hire a consumer lawyer who can you help file a claim against ACB Receivables Management, Inc. If you prevail in court, you may potentially win $1,000 per FDCPA violation.
A good lawyer can help you recover damages for abuse received at the hands of debt collectors.
Case taken from PACER (pacer.gov). File number is Case 1:12-cv-03620-SKG from the United States District Court for the District of Maryland, Northern (Baltimore) 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 ACB Receivables Management, Inc., or any other third-party collection agency, you may not be entitled to any compensation.