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Updated on Author: Contributor: Sergei Lemberg

Are You Being Called By Affiliated Creditors, Inc.?*


If you’re being pursued by a debt collector, you’re not alone. According to an analysis by the Urban Institute, 71 million Americans had debt in collections appear on their credit report in 2017.

If you are one of them and the collection agency assigned to your account is making your life miserable, learn more about your rights in this situation.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, imposes strict guidelines on what third-party debt collectors can do when communicating with you about a debt. If a collection agency using harassing strategies like those below, they are breaking the law and you can sue.

  • Saying that they will file a lawsuit immediately if you don’t pay
  • Adding illegal service fees to the original debt
  • Using an autodialer to call you at a harassing rate
  • Calling you at work when they know that such calls aren’t allowed
  • Contacting you directly when they know that you have an attorney
  • Using profane and obscene language

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Company Profile: Affiliated Creditors, Inc.

If you are being called by Affiliated Creditors, Inc., here are some additional company details.

Affiliated Creditors, Inc. is a debt collection agency located in Nashville, Tennessee. It was founded in 1981, has 18 employees, and is managed by its CEO, Chad Williams.

Lawsuit records at the PACER website indicate that consumers who believed they were being harassed by Affiliated Creditors, Inc. chose to dispute the payment demands.

Are You Being Called By Affiliated Creditors, Inc.?*

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Alleged Violations against Affiliated Creditors, Inc.

According to PACER, in or around May 2016, a Pennsylvania consumer checked her credit report and found a debt being reported by Affiliated Creditors, Inc. She sent a dispute letter on May 16 and examined her credit report again on July 25, but saw that the company had re-reported the credit account to the bureau(s) in June 2016.

Feeling harassed by Affiliated Creditors, Inc., the consumer sued the agency for allegedly violating her rights in the following ways:

  • Using false, deceptive, and misleading means to collect a debt
  • Failing to report her dispute to the credit bureaus

The matter was later settled.

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Hire a Consumer Lawyer

The phone numbers for Affiliated Creditors, Inc. are:

If you see them on your caller ID, it means that Affiliated Creditors, Inc. is calling. If they ignore your written dispute and cause you lost credit opportunities, get the compensation you deserve by hiring a consumer lawyer and filing a claim against Affiliated Creditors, Inc.

When a debt collector ignores your rights, they can be ordered to compensate you and pay your legal bills, so take action when the law is on your side.

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Additional Resources

Case taken from PACER (pacer.gov). File number is Case 2:17-cv-02078-AB from the United States District Court for the Eastern District of Pennsylvania.

*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 Affiliated Creditors, Inc., or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributor: 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 Contributor: Sergei Lemberg
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