If you searched “advanced financial servicing calling me” or “why is Advanced Financial Servicing calling me,” see the disambiguation section below first. If you are being contacted specifically by Advance Credit Services in Winston-Salem, North Carolina, this page covers who they are, what they can legally do, and what violations entitle you to damages. Call The Wood Firm PLLC for a free review at +1-844-638-1122.
Also searched as: Advanced Credit Services, Advance Credit Services NC, Advance Credit Services Winston-Salem, ACS debt collection, Carolina Medicorp Enterprises, Advanced Financial Servicing, Advanced Financial Servicing debt collector, why is Advanced Financial Services calling me.
Key Facts About Advance Credit Services
- Full name: Advanced Credit Services (also known as Carolina Medicorp Enterprises, Inc). Headquarters: Winston-Salem, NC 27106-3264.
- In business since February 1, 1990. 35 years operating. BBB file opened March 1993. Not BBB-accredited. A+ BBB rating.
- Compliance Director: Conni Theisen. Phone: (336) 397-0220, (336) 397-0225.
- Federal court records include cases such as Reavis v. Advance Credit Services and Smith v. Advance Credit Services, alleging FDCPA violations.
- In our practice, clients who contact us about ACS most often describe excessive daily calls, threats of immediate garnishment without a court order, and contact with family members disclosing debt details.
- Damages available: Up to $1,000 per FDCPA lawsuit plus actual damages and attorney fees.
- Free case review: +1-844-638-1122
Advanced Financial Servicing Calling Me vs Advance Credit Services
These are two different companies. Searches for “Advanced Financial Servicing” often land on this page, so the distinction matters.
Advance Credit Services is based in Winston-Salem, North Carolina. They have been operating since 1990 under both that name and the alternate name Carolina Medicorp Enterprises. Their primary phone numbers are (336) 397-0220 and (336) 397-0225. If a call came from a 336 area code, it is likely this company.
Advanced Financial Servicing is a separate debt collector. If the caller identifies as Advanced Financial Servicing or the number does not match the 336 area code, you may be dealing with a different company. Document the exact name and number. Both are subject to the same FDCPA protections.
Who Is Advance Credit Services
Advanced Credit Services (also known as Carolina Medicorp Enterprises, Inc.) is a third-party debt collection agency headquartered in Winston-Salem, North Carolina. Founded February 1, 1990, the company has been operating for 35 years. They are not BBB-accredited but hold an A+ BBB rating with the BBB of Central and Northwest North Carolina, whose file on the company dates to March 1993.
Advance Credit Services Contact Information
- Address: Winston-Salem, NC 27106-3264 (also PO Box 25923, Winston-Salem, NC 27114-5923)
- Main Phone: (336) 397-0220 (also 3363970220, 336-397-0220, 336.397.0220) and (336) 397-0225 (also 3363970225)
- Alternate Name: Carolina Medicorp Enterprises, Inc.
- Compliance Director: Ms. Conni Theisen
- BBB Profile: Advanced Credit Services BBB Page
In our practice, clients who call us about Advanced Credit Services frequently describe a pattern of multiple daily calls from the 336 numbers listed above, often starting early in the morning. The calls frequently include references to legal action or garnishment without any accompanying court paperwork. In our experience. That specific combination of voats is the profile we see most often in ACS complaints.
Why Is Advanced Credit Services Calling You
Advanced Credit Services acquired or was assigned a debt from a creditor you previously did business with. ACS operates as a third-party collector, meaning it contacts debtors on behalf of original creditors or purchases debt portfolios and pursues collection directly. The company reportedly handles medical, retail, and financial account debts.
Before paying anything, request written debt validation. ACS must provide documentation proving the debt is yours, showing the amount with a complete itemized breakdown, and confirming their authority to collect. If you do not recognize the debt, learn what to do when a debt collector first contacts you.
Whether You Owe the Debt or Not, We Can Help You
Is Advance Credit Services Harassing You?
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FDCPA Up to $1,000 per violation, per lawsuit |
TCPA Robocalls $500 – $1,500 per illegal call to your cell |
Attorney fees paid by Advance Credit Services if we win • Contingency only • No upfront cost
Federal Lawsuits Against Advance Credit Services
Federal court records include Reavis v. Advance Credit Services and Smith v. Advance Credit Services, which alleged harassment tactics and FDCPA violations. In our practice, those allegations match what clients describe: excessive call volume, unsubstantiated legal threats, and third-party disclosures.
What Advance Credit Services Cannot Do
Call outside permitted hours. No calls before 8:00 AM or after 9:00 PM local time. Any call before 8 AM from the 336 numbers is an automatic FDCPA violation. Check how many times a collector can legally call per day.
Threaten garnishment without a court order. ACS cannot garnish your wages without filing a lawsuit, winning, and obtaining a court order. Any threat of immediate garnishment without mentioning those steps is a federal violation.
Contact your family about your debt. ACS can contact family members only to ask for your location information. Revealing debt details to your relatives, as alleged in the pattern we see most often in ACS cases, violates the FDCPA.
Call your workplace after being told to stop. Once you inform ACS that your employer prohibits personal calls, all workplace contact must stop. See workplace contact rules.
Make false legal threats. Threatening immediate lawsuits or arrest for civil debt without actually intending to follow through is a deceptive representation and a federal violation. Consumer debt is civil. Arrest threats for unpaid bills violate the FDCPA regardless of what the collector says.
How to Stop Advance Credit Services from Calling
Step 1. Document every call. Log the date, time, number called from, and exact language used. Note any calls before 8 AM or after 9 PM. Each documented violation is a potential standalone statutory damages claim.
Step 2. Request debt validation in writing. Certified mail to Advanced Credit Services, Winston-Salem, NC 27106-3264 within 30 days of first contact. Request the original creditor’s name, a complete itemized balance, and proof of ACS’s authority to collect. All collection activity must stop until they respond adequately.
Step 3. Send a cease-and-desist. Certified mail demanding all contact stop. After receipt, ACS can only contact you to confirm cessation or notify you of legal action. Review what to say and not say to a collection agency.
Step 4. Call an attorney. +1-844-638-1122. The Wood Firm PLLC stops contact within 48 hours of taking a case.
How The Wood Firm PLLC Fights Advance Credit Services
We Know Advance Credit Services’ Specific Playbook
In our practice, ACS cases arrive with a consistent pattern: high-volume calls, vague garnishment or lawsuit threats that never materialize, and family contact disclosing debt details. We look for those three elements first. Each is independently actionable, and they often occur together, which multiplies potential damages.
Clients who bring documented call logs showing 6-10 calls per day have the strongest starting position when we evaluate an ACS case.
We Stop the Calls Within 48 Hours
Once we take a case against ACS, we send legal demand notice immediately. In our experience, calls from Advanced Credit Services stop within 24 to 48 hours of that notice. Any call that comes after we have entered the case becomes a documented violation that strengthens the damages claim.
We Handle FDCPA, FCRA, and TCPA Claims
ACS cases frequently involve claims under multiple statutes. The FDCPA covers the call conduct and false threats. The FCRA applies if ACS has reported inaccurate information to credit bureaus. The TCPA applies if ACS used automated dialing or prerecorded messages to your cell phone without consent. Each statute carries separate statutory damages, and we evaluate all three from the first review.
You Pay Nothing Unless We Win
The Wood Firm PLLC handles all consumer protection cases on contingency. You pay no attorney fees unless we recover for you. When we win FDCPA cases, the collector pays our fees directly. Learn about how we work for you and why clients choose us.
About Attorney Jeff Wood
Jeff Wood founded The Wood Firm PLLC exclusively to represent consumers, never creditors. He is admitted to practice in federal courts across multiple districts, including federal courts in Arkansas, Colorado, New Mexico, and Texas, with Of Counsel relationships in over a dozen states. Read his full attorney profile.
Whether You Owe the Debt or Not, We Can Help You
Has Advance Credit Services Violated Your Rights?
The Wood Firm PLLC has handled consumer protection cases exclusively since 2011. We have never represented a creditor. If Advance Credit Services has harassed you, threatened illegal garnishment, or contacted your family about your debt, call us for a free case review.
+1-844-638-1122 → Free Consultation
Advance Credit Services pays our fees if we win. You pay nothing unless we recover.
Reviewed for legal accuracy by Attorney Jeff Wood, Esq., founding attorney of The Wood Firm PLLC. Last reviewed: April 2026.
Frequently Asked Questions
Is Advanced Credit Services the same as Advanced Financial Servicing?
No. Advanced Credit Services (also known as Carolina Medicorp Enterprises) is based in Winston-Salem, NC and primarily contacts debtors from 336 area code numbers. Advanced Financial Servicing is a separate company. If the caller does not match those numbers or that name, you may be dealing with a different entity. Document the exact company name and number before proceeding.
Why is Advanced Credit Services calling me?
A creditor assigned your account to ACS for collection, or ACS purchased a debt portfolio that includes your account. They are required to send you written validation of the debt within five days of first contact.
Can Advance Credit Services garnish my wages?
Only after filing a lawsuit, winning a judgment, and obtaining a court order. Threatening immediate garnishment without those steps is a federal violation. North Carolina has strong wage protection statutes, and federal Social Security, veterans’ benefits, and unemployment income is exempt entirely.
Can Advance Credit Services sue me?
Yes, if the debt is valid and within your state’s statute of limitations. North Carolina allows 3 years for most written contracts. If the debt is older, threatening to sue may itself be a violation.
Can I sue Advance Credit Services for harassment?
Yes. Under the FDCPA, you can recover up to $1,000 in statutory damages per lawsuit plus actual damages and attorney fees. The Wood Firm PLLC handles these on contingency.
How do I stop Advanced Credit Services from calling me?
Send a written cease-and-desist via certified mail to Advanced Credit Services, Winston-Salem, NC 27106-3264. After receipt, they can only contact you to confirm cessation or notify you of legal action.
What if Advanced Credit Services called the wrong person?
Document the calls and inform them in writing that they have the wrong person. Continued calls after that written notice constitute FDCPA violations and may entitle you to statutory damages even though you do not owe the underlying debt.
What is Carolina Medicorp Enterprises?
Carolina Medicorp Enterprises, Inc. is the registered alternate name for Advanced Credit Services in Winston-Salem, NC. If you receive mail or calls from that name, it is the same company as ACS.
Advance Credit Services has operated since 1990 and has accumulated federal court cases alleging harassment, false legal threats, and third-party disclosure violations. The Wood Firm PLLC has handled consumer protection cases exclusively since 2011, works on contingency, and makes the collector pay. Call +1-844-638-1122 for a free case review. Browse our list of collection agencies, review our practice areas, or learn about your consumer rights.
