If you’re receiving repeated calls from a debt collector, you’re dealing with one of the most common problems in consumer finance. The constant calls. The anxiety. The embarrassment when they contact your workplace or family members.
You have powerful legal rights that can stop this harassment and potentially put money in your pocket for violations they’ve already committed. Federal law doesn’t just protect you – it penalizes collectors who break the rules, and those penalties go to you.
Key Takeaways:
- You have legal rights that can stop harassment and potentially recover thousands in compensation
- Debt collectors must prove you owe the debt before you pay anything
- They cannot call before 8 AM or after 9 PM, harass you at work, or threaten arrest
- Each violation can result in $500-$1,500 per illegal call, plus up to $1,000 in statutory damages
- You can sue even if you actually owe the debt – illegal tactics are what matter
- Attorney representation is free (contingency basis) – you only pay if you win, and the collector pays our fees
Who Is Account Outsourcing Group?
Account Outsourcing Group is a third-party debt collection agency that purchases old, charged-off debts from original creditors for pennies on the dollar and attempts to collect the full amount. They commonly pursue credit card debts, personal loans, and medical bills.
As a debt buyer, they often lack complete documentation proving you owe the debt, that the amount is accurate, or that they have legal authority to collect. This is why debt validation is critical – many consumers discover debts are inaccurate, already paid, past the statute of limitations, or don’t belong to them.
Common phone numbers: They rotate numbers to bypass blocking, which may violate the Telephone Consumer Protection Act if using automated systems without consent.
Consumers report excessive calling, workplace harassment, threats of arrest, and refusal to provide proper documentation. If they’ve violated your rights, you may be entitled to up to $1,000 per FDCPA violation, plus $500-$1,500 per illegal robocall, plus actual damages, plus attorney fees. We can review your situation free and help draft demand letters – +1 844-638-1122.
Can Account Outsourcing Group Sue Me?
Yes, they can sue if the debt is legitimate, within your state’s statute of limitations (typically 3-6 years), and they have proper documentation. However, many debt buyers struggle to provide adequate proof.
What stops them: Debt exceeds statute of limitations, they lack documentation, amount is incorrect, debt was paid/settled, wrong person, no proof of ownership.
If they sue: You have 20-30 days to file an Answer. Never ignore lawsuits – this causes default judgment granting wage garnishment powers. We can help draft an Answer free as part of contingency representation.
Can they garnish without suing? No. Wage garnishment requires lawsuit, judgment, and separate garnishment order. Threats of immediate garnishment without mentioning lawsuits may violate FDCPA.
If sued or threatened, call us at +1 844-638-1122 immediately. We defend lawsuits while pursuing counterclaims for harassment – you don’t pay unless we win.
How Do I Stop Calls From Account Outsourcing Group?
Stopping the calls requires assertive action combining legal rights with practical blocking:
Immediate actions:
- Send debt validation letter (within 30 days of first contact) – Certified mail demanding they prove you owe the debt, the amount is accurate, and they have legal authority to collect. They must stop collection until providing validation. If they can’t validate, they must stop permanently. We can help you draft this letter at no cost – even if you don’t hire us for full representation.
- Send a cease-and-desist letter – Certified mail demanding they stop all phone contact. After receiving, they can only contact to confirm or notify of specific lawsuits. Template: “I demand you cease all telephone communication regarding this alleged debt. All future contact must be in writing only.” We provide free templates for this.
- Block every number – Block each number they use. When they call from new numbers, block those immediately. Use your phone’s blocking feature or contact your carrier about additional options.
- Set clear verbal boundaries – If you do answer, state firmly: “My employer prohibits workplace calls” or “Do not call before 8 AM or after 9 PM” or “I revoke consent for any automated or prerecorded calls to this cell phone.”
- Get legal help: Once you have attorney representation, they must stop contacting you directly and communicate only with your lawyer. This ends harassment immediately, even before your case resolves. We offer free case evaluations and work on contingency – you pay nothing unless we recover money for you. Call 844-638-1122.
How We’ve Helped Others Stop the Harassment
Client #1 – Workplace harassment: A client received 12 calls over two weeks at her workplace despite telling the collector during the first call that her employer prohibited personal calls. Her supervisor questioned her about the “urgent financial matter.” We documented the violations and negotiated a $5,800 settlement within 6 weeks.
Client #2 – False arrest threats: The collector told our client that if he didn’t pay $4,200 within 48 hours, they’d file charges and police would arrest him at his home. These threats violated FDCPA – you cannot be arrested for unpaid consumer debt. Settlement: $3,400.
Client #3 – Robocall bombardment: Our client received 4-5 prerecorded messages daily to her cell phone for three weeks without ever giving consent for automated calls. Each call represented a TCPA violation worth $500-$1,500. Total recovery exceeded $22,000.
We handle all these cases on contingency – clients pay nothing unless we win, and when we win, the debt collector pays our attorney fees separately on top of your compensation.
Similar harassment from other collectors? We’ve helped consumers dealing with Velocity Investments, Zwicker & Associates, and other aggressive debt buyers.
How Do I Remove Account Outsourcing Group From My Credit Report?
They can damage your credit score by reporting collection accounts, but strict rules govern this process.
If debt is inaccurate or unvalidated: File disputes with Equifax, Experian, and TransUnion stating the account is inaccurate. Provide supporting evidence (payment receipts, ignored validation requests, proof debt belongs to someone else). Demand validation from the collector via certified letter. If they reported it without validating after your dispute, this may violate FDCPA and Fair Credit Reporting Act. We can help you file these disputes and pursue FCRA violations if applicable.
If debt is accurate but paid: Paid collections update to “paid” status. You can negotiate “pay for delete” (paying in exchange for complete removal). Get any deletion agreement in writing before paying. We can negotiate these settlements on your behalf at no upfront cost.
How long it stays: Collections remain on reports for 7 years from date of first delinquency with original creditor (not when they purchased it). This clock cannot restart by collection activity, though payments can restart statute of limitations for lawsuits.
Credit violations we pursue: If they reported false information, continued reporting disputed/unvalidated debts, or failed to update/remove inaccurate information after investigation, you may recover damages under FCRA plus any FDCPA/TCPA violations. These violations can be worth thousands in additional compensation beyond harassment claims.
Common Mistakes That Hurt Your Case
- Ignoring them completely if debt might be legitimate (they could sue)
- Making any payment without written validation first
- Acknowledging debt belongs to you before verification
- Giving bank account or credit card information over phone
- Relying on verbal promises (get everything in writing)
- Restarting statute of limitations by making payments on very old debts
- Communicating without documenting every interaction
- Letting pressure tactics force immediate decisions
Making even a small payment can restart the statute of limitations on time-barred debts, giving them renewed ability to sue in many states. If you’re unsure whether you should pay, call us first for a free consultation.
How We Fight Back Using Federal Law
We build federal cases that force collectors to pay you for violations. We investigate every call and letter to identify violations you might miss, subpoena calling systems to prove automated dialing, and calculate maximum damages across multiple violation types.
What you get: Free case evaluation, immediate harassment relief (they stop calling once we represent you), no upfront costs (contingency), the collector pays our fees separately by law, free demand letters and validation requests, help disputing credit errors, and representation in lawsuits they file against you.
You’re entitled to compensation for violations already committed – even if you owe the debt.
Frequently Asked Questions
1. How many times can they legally call me per day?
No specific number defines “too many,” but repeated calls with the intent to annoy may violate FDCPA. Courts have found multiple daily calls, especially after you’ve asked them to stop, constitute harassment. Document every call with dates and times.
2. What if they keep calling my job?
Tell them clearly “My employer prohibits personal calls.” If they continue after this notification, it likely violates FDCPA. Follow up in writing via certified mail and document subsequent workplace calls. We can pursue damages for these violations.
3. Can I sue even if I owe the money?
Yes. Your legal rights exist regardless of whether you owe the debt. Even if the debt is legitimate, collectors must follow the law. Their illegal behavior matters, not the debt’s validity. We’ve recovered thousands for clients who actually owed the underlying debt but were harassed illegally.
4. Will filing a complaint stop the calls?
CFPB complaints create official records but don’t legally force them to stop. For immediate relief, send a cease-and-desist letter via certified mail. Combine complaints with an attorney consultation for the best results – we provide free demand letters.
5. Can they report me to credit bureaus?
Yes, but only if the information is accurate and they’ve validated disputed debts. Reporting inaccurate or unvalidated debts may violate FDCPA and FCRA, creating additional claims worth thousands in damages.
6. How long does it take to resolve these cases?
Settlements typically take 2-6 months. Litigation takes 6-18 months. However, harassment usually stops immediately once you have attorney representation because they must communicate with your lawyer instead of you. The harassment ends on day one – compensation comes later.
7. What if the debt is really old?
Check your state’s statute of limitations (typically 3-6 years for consumer debts). If the debt has expired, it is “time-barred,” and they cannot successfully sue you. Threatening lawsuits on time-barred debts may violate FDCPA. We can verify statute of limitations for your situation free – call 844-638-1122.
About Attorney Jeff Wood
Lead Attorney Jeff Wood founded The Wood Law Firm with one mission: protecting consumers from abusive debt collection practices. With over 15 years of consumer protection experience, Jeff has successfully represented thousands of clients in federal courts, securing millions in damages from collectors who violated the FDCPA, TCPA, and FCRA.
Jeff focuses exclusively on consumer protection law. He knows how to prove automated dialing violated TCPA, identify FDCPA violations collectors hope you’ll miss, and calculate maximum damages across multiple violation types. He works on contingency – you pay nothing unless he wins, and the collector pays his fees separately by federal law. The firm’s A+ BBB rating reflects a commitment to results.
Call +1 844-638-1122 for free consultation. No upfront costs. The collector pays our attorney fees separately if we win. Stop the harassment today and potentially recover thousands in damages for violations already committed. You don’t pay unless we win – and you’re entitled to compensation regardless of whether you owe the debt.
