While debt collectors may legally ask you to pay a debt, they are not allowed to harass and bully you until you pay. In fact, if a collection agency does take things to that extreme, you have the legal right to demand that they stop and sue them if they don’t.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) dictates what debt collectors can say and do to collect a debt. If they employ tactics like those listed below, you have grounds to sue them and demand compensation.
- Demanding outrageous amounts that exceed the amount of the original debt
- Pretending to be police officers or federal agents to frighten debtors into paying
- Calling you outside of the hours of 8:00 a.m. to 9:00 p.m. in your time zone
- Using profane or obscene language
- Calling you at work if they know that your employer does not permit such calls
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: Accelerated Collection Services
If you are being called by Accelerated Collection Services, the company’s general background is reviewed below.
Accelerated Collection Services is a debt collection agency located in Kent, Washington. It was founded in 2003, has 27 employees, and is managed by owner its President, Chris Jones. A review of litigation records indexed at the PACER website suggests that consumers who believed that they were being harassed by Accelerated Collection Services exercised their right under the FDCPA to sue.
Alleged Violations against Accelerated Collection Services*
According to information on the PACER website, on or around August 21, 2013, Accelerated Collection Services allegedly called a New Jersey consumer and told her that if she "didn't pay her debt, the lawyers will contact your company and it will come out of your wages". The caller also allegedly threatened to disclose the debt to her employer.
Feeling harassed by Accelerated Collection Services, the consumer reviewed her options before suing the company for allegedly:
- Using harassing and abusive means to collect a debt
- Harassing her by phone
- Using unfair and unconscionable means to collect a dbt
- Using false, deceptive, and misleading means to collect a debt
- Threatening legal action it had no intention of taking
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you see either of them flash on your caller ID, it means that you are being pursued by Accelerated Collection Services. If they try to intimidate you by threatening lawsuits and public embarrassment, your next step should be hiring a consumer lawyer and filing a claim against Accelerated Collection Services. Abusing consumers in this manner violates the FDCPA, and you may be awarded $1,000 per FDCPA violation. Failure to respect your rights could turn out to be an expensive mistake.
*Case taken from PACER (pacer.gov) File number is Case 2:14-cv-05159-CCC-MF 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 Accelerated Collection Services or any other third-party collection agency, you may not be entitled to any compensation.