Because some debt collectors harass consumers and use unscrupulous practices to recover compensation, the Fair Debt Collection Practices Act (FDCPA) was passed in 1978. The FDCPA establishes strict guidelines that prohibit inappropriate behaviors during the collections process.
If you have past due bill that has been transferred to a third-party collector, such as Atlantic Credit & Finance, they must abide by these laws or face harsh legal penalties. If you are being harassed by Atlantic Credit & Finance
Atlantic Credit & Finance
Atlantic Credit & Finance is a third-party collection agency that attempts to collect past due bills and charged off debts. The company was established in 1996 and has headquarters in Roanoke, Virginia. The company, also known as ACF, uses letters, robocalls, phone calls, and lawsuits in the collections process.
The business is not accredited by the Better Business Bureau. It has a B rating with the BBB. It has had 102 complaints closed in the last 3 years and 39 complaints closed in the last year. These complaints are for billing and collection issues, which include not properly validating the debt for the consumer.
What Is A Debt Validation Letter? And Why Do You Need It?
If Atlantic Credit & Finance has contacted you saying that you owe them a delinquent debt, you should ask for validation of the debt. The FDCPA gives them five days to respond to your request. They will send a debt validation letter.
When they validate a debt, they must include the name of the original creditor, the original amount of the debt, how much you currently owe, and other specific details of the debt. If Atlantic Credit & Finance fails to respond by the deadline, or if they don’t adhere to the proper protocol, you can pursue a claim against them for debt collection harassment and FDCPA violations.
Talk To An FDCPA Attorney Today
If Atlantic Credit & Finance has been harassing you over a past due debt, or if they have failed to validate a debt after you made a request, you should consult with an FDCPA attorney about getting a claim underway against them.
Keep a file that shows every time that you were contacted by ACF and what happened. Maintain copies of all written correspondence received from them. You should consult with a lawyer in your state who specializes in debt collection harassment cases.
With the help of an FDCPA attorney, you are much more likely to have a successful claim and get the harassment to stop. Complete the Free Case Evaluation request form on this page so your information can be shared with a local FDCPA attorney and you can get the situation under control before it gets worse.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Atlantic Credit & Finance or any other third-party collection agency, you may not be entitled to compensation.