It’s hard to know what to do when you’re in serious debt and collection agencies are calling you daily. What you DON’T have to do is tolerate mistreatment. Although debt collectors are infamous for bullying people for payment, all it takes is for you to make a call of your own- to an attorney.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to regulate the interactions between debt collectors and consumers. Any person who owes a debt has the right to receive all relevant information about it and tell a debt collector to stop contacting them, while collection agencies are prohibited from actions like the following:
- 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 at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in the consumer’s time zone
- Using profane or obscene language
- Trying to collect an amount that is not authorized by law or the original creditor agreement
- Failing to identify themselves as debt collectors in each communication
Company Profile: Account Control Systems, Inc.
If you are being called by Account Control Systems, Inc., information about the company is below.
Account Control Systems, Inc. is a debt collection company located in Montvale, New Jersey. It originally opened for business in 1982, has 20 to 49 employees, and is managed by its CEO, Joseph Vitale. Digitized lawsuit records at the PACER (Public Access to Court Electronic Records) website reveal that people who felt they were being harassed by Account Control Systems, Inc. educated themselves on their rights and fought back.
Alleged Violations against Account Control Systems, Inc.*
According to PACER, on December 10, 2009, Account Control Systems, Inc. called a Florida woman to collect a debt. She later claimed that there were four messages left in total between that date and February 3, 2010, but none of them identified the caller as a debt collector.
Feeling harassed by Account Control Systems, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to identify itself as a debt collector in all communications
- Using false, deceptive and misleading means to collect a debt
- Harassing her by phone
The matter was later dismissed.
Hire an FDCPA Lawyer
The phone numbers for this debt collection agency are:
If these numbers appear on your caller ID whenever a call comes in, it means that you are being called by Account Control Systems, Inc. If they leave messages that do not identify them as a debt collector, hire a consumer attorney who can help you file a claim against Account Control Systems, Inc.. If you win your case or the company agrees to settle, you may receive $1,000 per FDCPA violation plus legal costs associated with filing the claim. When a collection agency fails to be up front with you, the penalties can be substantial.
*Case taken from PACER (pacer.gov). File number is Case 0:10-cv-62413-WJZ from the United States District Court for the Southern District of Florida.
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 Account Control Systems, Inc., or any other third-party collection agency, you may not be entitled to any compensation.