Are You Being Called By Advanced Capital Solutions, Inc.*? Here's What You Need to Know
Debt collectors often engage in unethical and even illegal conduct to get money from people who have fallen on difficult times financially. They may even call your friends, family, and workplace to embarrass you. Don’t give in to such abusive treatment, especially since it is illegal and the legal remedies at your disposal include suing the collection agency.
Your Rights Under the FDCPA
Congress passed the Fair Debt Collection Practices Act, or FDCPA, over 40 years ago because so many consumers were being harassed by third-party collection agencies. The FDCPA grants you the right to dispute a debt and punishes debt collectors who try to force payment by:
- Failing to identify themselves as debt collectors seeking to collect a deb
- Threatening legal actions they cannot take or have no intention of taking
- Using obscene, profane, and threatening language
- Contacting your friends, family, and co-workers about the debt
- Contacting you after you retain an attorney
- Trying to collect a debt discharged in bankruptcy
Company Profile: Advanced Capital Solutions, Inc.
If you are receiving calls from Advanced Capital Solutions, Inc., details about the company are listed below.
Advanced Capital Solutions, Inc. is a debt collection agency located in North Canton, Ohio. It was opened in 2012 and is managed by its Director of Compliance, Vincent Raphael. The company has a B rating at the Better Business Bureau. Legal records viewable at the PACER website confirm that consumers who are under the impression that they were being harassed by Advanced Capital Solutions, Inc. sought legal advice and filed lawsuits to demand compensation.
Alleged Violations against Advanced Capital Solutions, Inc.**
According to PACER, on or around May 27, 2014, Advanced Capital Solutions, Inc. allegedly called a Washington consumer at work and left a voice message stating that its “client is seeking a final decision on how to handle this file going forward…” Alarmed, the consumer hired an attorney who contacted the agency on June 9 to state that she was represented by counsel. Nonetheless, two more calls were made to her workplace, one of which was answered by a coworker.
Feeling harassed by Advanced Capital Solutions, Inc., the consumer sued the company for the alleged FDCPA violations below:
- Failing to identify itself as a debt collector in all communications
- Contacting her directly after being informed that she had legal counsel
- Discussing her debt with her coworkers
A judge ordered the company to pay the consumer statutory damages in the amount of $1,000, attorney’s fees in the amount of $2,760 and costs in the amount of $450, for a total amount of $4,210.
Hire a Consumer Lawyer
The phone numbers for Advanced Capital Solutions, Inc. are:
If you see them on your caller ID, you are being called by Advanced Capital Solutions, Inc. and need to decide on how to proceed. If they call you at work and ignore the fact that you have legal counsel regarding the debt, talk to your consumer lawyer about filing a claim against Advanced Capital Solutions, Inc. When a collection agency refuses to obey the law, it can cost them literally thousands, so get legal advice whenever such a company oversteps its bounds with you.
**Case taken from PACER (pacer.gov). File number is Case 2:15-cv-00831-TSZ from the United States District Court for the Western District of Washington.
*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 Advanced Capital Solutions, Inc. or any other third-party collection agency, you may not be entitled to any compensation.