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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Flagship Credit Acceptance, LLC?

Stop the

You have legal rights. We can help.


Every year, the Federal Trade Commission receives consumer complaints about debt collectors going too far. If you are being hounded by a collection agency, read on and learn about your rights as a consumer.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, limits what debt collectors can say or do when contacting you. If they use methods like those below, they’re breaking the law and can even lose their license.

● Swearing and using profane language
● Making threats they cannot legally carry out
● Threatening to ruin your credit if you don’t pay
● Contacting you at work
● Calling at all hours of the day and night
● Discussing your debt with unauthorized third parties

Company Profile: Flagship Credit Acceptance, LLC

If you are being called by Flagship Credit Acceptance, LLC, here are some additional company details.

Flagship Credit Acceptance, LLC is an automobile financer and collection agency in Chadds Ford Pennsylvania. It opened for business in 2006, has over 300 employees, and is managed by Michael Ritter. Records at the PACER website show that those who felt harassed by Flagship Credit Acceptance, LLC investigated their rights in the matter.

Alleged Violations against Flagship Credit Acceptance, LLC

According to PACER, in or around April 2016, a California couple checked their credit report and found that Flagship Credit Acceptance, LLC was reporting a debt. The husband called to request validation of the debt, but it allegedly was not until May 10 that they received paperwork that the couple claimed was insufficient. They also claimed that company agents attempted to illegally repossess their vehicle.

Feeling harassed by Flagship Credit Acceptance, LLC, the couple got a free case review from a consumer lawyer and sued the agency for:

● Failing to properly validate the debt
● Using misleading means to collect a debt
● Reporting inaccurate information to the credit bureaus.

The matter was later settled.

Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

● 1-610-717-1900
● 1-800-900-5150

If you notice them on your caller ID, Flagship Credit Acceptance, LLC is probably trying to collect an overdue auto loan from you. If they report inaccurate information to the credit bureaus without properly validating the debt, hire a consumer lawyer and file a claim against Flagship Credit Acceptance, LLC, as you may be awarded $1,000 per FDCPA violation. The law is in your corner when debt collectors cross the line, so never be too intimidated to fight back.

*Case taken from PACER ( File number is Case 2:16-cv-04000-DSF-PLA from the United States District Court for the Central District of California.

Additional Resources

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 Flagship Credit Acceptance, LLC or any other third-party collection agency, you may not be entitled to any compensation.

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