Both state and federal statutes specify things collection agencies can and cannot do in order to collect a debt, and they provide remedies to the affected consumers when debt collectors violate these rules.
Unfortunately, this legal safeguard does not prevent some debt collectors from using illegal practices to collect debts, so if you are targeted for harassment or abuse, contact a consumer lawyer.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is the federal law that prohibits debt collectors from engaging in certain debt collection activity. Examples of illegal collection practices include:
- Using profane or obscene language
- Calling you at work after you’ve told them that your employer won’t let you take such calls
- Ignoring a formal cease communications request
- Threatening to have you arrested
- Discussing the debt with anyone but you, your spouse, your lawyer, and any debt co-signers (if applicable)
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: Accelerated Receivables Solutions, Inc.
If you are being called by Accelerated Receivables Solutions, Inc., information about the company is below.
Accelerated Receivables Solutions, Inc., which also does business as Credit Bureau of Western Nebraska, is a debt collection office located in Scottsbluff, Nebraska. It was established in 1932, has 39 employees, and is managed by its President, Andy C Laws.
Digitized legal records archived at the PACER (Public Access to Court Electronic Records) website indicate that several consumers who believed they were being harassed by Accelerated Receivables Solutions, Inc. filed lawsuits against the agency for violating their rights.
Alleged Violations against Accelerated Receivables Solutions, Inc.
According to PACER, on or around January 17, 2016, Accelerated Receivables Solutions, Inc. representative sent a collection letter to a Wyoming consumer demanding payment for a medical debt. On March 7 she sent the agency a letter confirming a refusal to pay, but on March 24, it mailed another collection letter to her.
Feeling harassed by Accelerated Receivables Solutions, Inc., she hired a consumer lawyer and sued the company for allegedly violating the FDCPA by ignoring a cease communications request. The matter was later settled.
Hire a Lawyer
The phone numbers for this debt collection company are:
If any of these numbers flash on your caller ID day or night, it means that you are being called by Accelerated Receivables Solutions, Inc.. If they ignore your cease communications request and keep trying to collect from you, hire a consumer lawyer.
If you decide to file a claim against Accelerated Receivables Solutions, Inc. and end up winning your case, you could receive $1,000 per FDCPA violation plus all costs associated with pursuing the action.
When a collection agency fails or refuses to back off on request, it can end up paying dearly for its presumption.
Case taken from PACER (pacer.gov). File number is Case 2:16-cv-00060-NDF from the United States District Court for the District of Wyoming.
*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 Receivables Solutions, Inc., or any other third-party collection agency, you may not be entitled to any compensation.