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Debt Collection
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Updated on Author: Contributing Author: Sergei Lemberg

Called By Accounts Service of Colorado Ltd.?*

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Debt is prevalent today. As long as we don’t experience any financial setbacks, we can usually manage. But what if you lose your job, become too sick to work, or your spouse files for divorce and you have to incur massive legal bills to protect what you own?

That’s when you can start missing payments, and once you miss a certain amount, debt collectors will be calling.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) regulates what third-party debt collectors may say and do when dealing with indebted consumers. They are legally required to be professional and transparent at all times, and refrain from activities like the following:

  • Using profane or obscene language
  • Failing to identify all communications as coming from a debt collector
  • Calling you at work after you’ve already told them that your employer doesn’t let you take personal calls
  • Persisting in calling you even after you dispute the debt
  • Making threats they cannot legally follow up on, such as having you arrested
  • Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone

Are You Being Called?

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Company Profile: Accounts Service of Colorado Ltd.

If you are being called by Accounts Service of Colorado Ltd., information about the company is below.

Accounts Service of Colorado Ltd. is a debt collection company located in Colorado Springs, Colorado. It was established in 1945, has approximately 10-19 employees, and is managed by its President, Richard Mills. Records retained by the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Accounts Service of Colorado Ltd. asserted their rights in court.

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Alleged Violations against Accounts Service of Colorado Ltd.

Kimberly Bergen vs. Accounts Service of Colorado Ltd. et al*

According to PACER, in 2000 Accounts Service of Colorado Ltd. began calling Iowa resident Kimberly Bergen to collect a debt that had been included in an earlier bankruptcy. She mailed a dispute letter, but the company allegedly failed to report the account as disputed to the credit bureaus or reinvestigate the debt. As a result she was unable to obtain a real estate loan and other credit.

Feeling harassed by Accounts Service of Colorado Ltd., Ms. Bergen hired a consumer attorney and sued the company for allegedly violating the FDCPA by communicating false information to the credit bureaus.

The matter was later dismissed.

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Hire an FDCPA Attorney

The phone number for this collection agency is 1-719-632-7099. If you see it on your caller ID when the phone rings, it means that you are being called by Accounts Service of Colorado Ltd.. If they damage your credit by attempting to collect a debt discharged in bankruptcy and failing to report it as disputed, hire a consumer attorney.

If you file a claim against Accounts Service of Colorado Ltd. and win, you could potentially be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. Your attorney will help you protect your rights and demand compensation when a debt collector breaches them.

*Case taken from PACER ( File number is Case 1:01-cv-10034-REL from the United States District Court for the Southern District of Iowa, Western 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 Accounts Service of Colorado Ltd., or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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