If you encounter financial difficulties that send your monthly debts into arrears, your creditors will eventually turn the accounts over to a third-party collection agency. Debt collectors often pursue repayment in ways that border on harassment, such as cursing and threatening you with arrest. If this happens to you, don’t tolerate it. Call an attorney instead.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA grants you the right to dispute a debt and tell collection agencies to stop to stop calling you. It also prohibits collection tactics like those below.
- Calling at inconvenient times
- Discussing the debt with anyone except you, your attorney, spouse, or co-signer
- Calling non-stop with the intention of annoying and harassing you
- Using profane or obscene language
- Calling you at work when your employer does not allow such calls
- Ignoring a formal cease communications request
Company Profile: ACE Recovery, Inc.
If you are being called by ACE Recovery, Inc., more information about the agency is summarized below.
ACE Recovery, Inc. is a collection agency in Painesville, Ohio. It was founded in 1992, has nine employees and is managed by its owner, Paul Carnabuci Jr. Holdings at the PACER website indicate that consumers who believed that they were being harassed by ACE Recovery, Inc. acted on their right to sue.
Alleged Violations against ACE Recovery, Inc.
According to PACER, in or around later 2012, ACE Recovery, Inc. began calling the cellphone of a New York consumer to collect a debt. He complained that these calls were made using an autodialer that left prerecorded messages.
These messages allegedly did not identify the company or the reason for the calls.
Feeling harassed by ACE Recovery, Inc., the consumer hired legal counsel and sued the agency for allegedly violating her rights by:
- Using false, deceptive, and misleading means to collect a debt
- Failing to identify itself a debt collector in all communications
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID when the phone rings, it means that you are being called by ACE Recovery, Inc. If they use an autodialer to call you and leave voicemails that don’t identify them as debt collectors, you can stop the harassment by hiring a consumer lawyer and filing a claim against ACE Recovery, Inc.
If you win your case you could receive $1,000 per FDCPA violation plus your attorney fees, so when a debt collector tries to bully you into paying, stand your ground.
Case taken from PACER (pacer.gov). File number is Case 1:13-cv-00875-RJD-VVP from the United States District Court for the Eastern District of New York.
*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 ACE Recovery, Inc. or any other third-party collection agency, you may not be entitled to any compensation.