Skip to content
Debt Collection
Free Legal Help

By Contributing Author: Sergei Lemberg Updated on

Called By American Credit Financial, LLC? Here’s What to Know

Stop the

You have legal rights. We can help.


If you’re afraid to answer your phone when it rings, you’re not alone. A lot of people have lost their jobs due to the pandemic or other causes beyond their control, leaving them in dire financial circumstances. When debt collectors start calling, it gets even worse.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act requires all debt collectors to conduct themselves professionally when contacting you about any alleged debt. Under the law, they may not do any of the following:

  • Swearing and yelling at you
  • Using the phone to harass you
  • Threatening to ruin your credit
  • Failing to report your dispute to the credit bureaus
  • Demanding payment for a debt discharged in bankruptcy
  • Persisting in trying to collect a disputed debt

Need Help With American Credit Financial?

Call for a Free Case Evaluation Now!

Company Profile: American Credit Financial, LLC

If you are being called by American Credit Financial, LLC, here are some additional company details.

American Credit Financial, LLC is a debt collection agency headquartered in Norcross, Georgia. It was established in 2016, employs eight people, and is overseen by Dana Taylor. A search of the indexed records at the PACER legal archive confirms that those who thought American Credit Financial, LLC was harassing them refused to be pressured into paying.

Need Help With American Credit Financial?

Call for a Free Case Evaluation Now!

Alleged Violations against American Credit Financial, LLC

According to PACER, on or around June 14, 2019, American Credit Financial, LLC allegedly called a California consumer and left a voice message stating that he had a legal matter pending against him regarding an outstanding debt. When the consumer returned the call and said he was unable to pay, a collector allegedly responded, “You have to pay this debt no matter what.”

When the consumer reiterated that he was unable to make a payment, the collector allegedly said that the company would take him to court and that he would be liable for $9,000 in debt and attorneys’ fees.
Feeling harassed by American Credit Financial, LLC, the consumer fought back by suing the agency for:

  • Demanding payment during the dispute period
  • Using abusive collection methods
  • Threatening legal actions it could not take

    The matter was later settled.

    Called By American Credit Financial, LLC? Here's What to Know

    Need Help With American Credit Financial?

    Call for a Free Case Evaluation Now!

    Hire a Consumer Lawyer

    The phone number for this company is 1-404-994-2905. Seeing it on your caller ID confirms that American Credit Financial, LLC is on the line. If they threaten you with legal action that they cannot take, hire a consumer lawyer and file a claim against American Credit Financial, LLC. If they refuse to settle, they could be ordered to pay you $1,000 per violation, so understand your rights and be prepared to act on them.

    Need Help With American Credit Financial?

    Call for a Free Case Evaluation Now!

    Additional Resource

    *Case taken from PACER ( File number is Case 1:19-cv-01438-AWI-JDP from the United States District Court for the Eastern District of California, Fresno 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 American Credit Financial, LLC 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
    Free Case Evaluation

      1. Please fill out your contact information:

      2. Has a debt collection done any of the following:

      By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.

      GET YOUR