Dealing with debt collectors can be stressful and overwhelming, especially when those collectors resort to harassment. If Advance Credit Services debt harassment affects your peace of mind, you don’t have to endure it. You have legal rights protecting you from aggressive and unlawful collection practices. In this article, we’ll explain how to identify Advance Credit Services phone harassment, understand the nature of their tactics, and how you can stop it with the help of The Wood Law Firm.
Whether receiving constant calls from Advance Credit Services collectors, facing threats, or dealing with unwanted contact to friends and family, we are here to help you stop these illegal actions and get the compensation you deserve. You may even be entitled to statutory damages of up to $1,000. Best of all, The Wood Law Firm handles your case without charging legal fees unless we win.
Understanding Advance Credit Services: Who Are They?
Advance Credit Services (ACS) is a Winston-Salem, North Carolina debt collection agency. With over 29 years of experience, it is a third-party agency specializing in recovering other companies’ debts. However, ACS has faced multiple accusations of violating consumer rights. Due to its aggressive tactics, which often include threats and harassment, Advance Credit Services lawsuits have surfaced.
Is Advance Credit Services a Scam?
Despite the accusations, Advance Credit Services is not a scam. It has operated for several decades. However, its debt collection tactics have drawn significant complaints and legal challenges. Its phone harassment and other aggressive practices have led many consumers to file complaints about Advance Credit Services with regulatory agencies.
Signs of Harassment by Advance Credit Services
If you’re encountering Advance Credit Services debt collection harassment, you must be aware of the specific signs that indicate their behavior is crossing legal boundaries. The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive, unfair, or deceptive debt collection practices. Advance Credit Services collectors can face serious consequences when violating these rules. Below are common signs of harassment:
- Calling Before 8:00 a.m. or After 9:00 p.m.: Debt collectors are only permitted to contact you during reasonable hours. They violate your rights if they call too early in the morning or too late at night.
- Repeatedly Calling You or Your Workplace: Persistent calls are annoying and violate the FDCPA if they occur multiple times per day or week without reason.
- Using Abusive Language or Threatening Behavior: No debt collector should ever use foul language, threaten violence, or employ any form of intimidation. Any collector who uses offensive language is breaking the law.
- Contacting Family, Friends, or Co-workers About Your Debt: Debt collectors cannot contact third parties about your debts or discuss your financial matters with anyone other than you. If Advance Credit Services contacts others about your debt, it’s harassment.
- Threatening to Garnish Your Wages or Sue You Without Proof: Collectors cannot threaten legal actions, such as wage garnishment or lawsuits unless they are legally authorized. If Advance Credit Services makes empty threats without legal backing, it violates the FDCPA.
- Failing to Provide Valid Proof of Debt: Upon request, debt collectors must provide valid documentation proving that you owe the debt. If they fail to do so, they are acting unethically and illegally.
If you’re experiencing any of these behaviors, it strongly indicates that Advance Credit Services is breaking the law. Thankfully, you have the right to take action to stop these unlawful practices and hold them accountable. Contact The Wood Law Firm at +1 844-638-1122 to discuss your options for fighting back.
Also read: Advanced Capital Solutions Phone Harassment
What to Do If You Receive Calls from Advance Credit Services
If Advance Credit Services is harassing you, it’s crucial to understand your rights and know the steps to stop the harassment. Ignoring these calls can only worsen the situation, so it’s essential to act swiftly. Here are vital steps you can take:
1. Document Everything
Maintaining a thorough record of each call is one of the most important things you can do to protect yourself from Advance Credit Services phone harassment. This documentation can be crucial if you decide to pursue legal action. Keep a detailed log, noting the date, time, phone number used, and any threats or demands made during each conversation. You should also note the content of the conversations, such as whether the collector used abusive language or made false claims. Remember that Advance Credit Services may change their phone number to evade detection, so be vigilant and document all numbers they use. For example, some known Advance Credit Services phone numbers are:
- 336-397-0220
- 336-397-0225
If you receive calls from these or any unknown numbers, they could be trying to contact you. The more evidence you have, the stronger your case will be when you seek legal assistance.
2. Request Proof of the Debt
Under the FDCPA, you have the right to request written verification of the debt from Advance Credit Services, which they must provide within five days of their first contact with you. If they fail to provide this proof, they violate your rights, and you can take immediate action to stop their calls. If they cannot provide the requested documentation, they may not have the legal standing to collect the debt. It’s essential to insist on receiving this proof in writing.
3. Speak with an Attorney
Once you’ve documented the calls and requested proof of the debt, the next crucial step is to consult an attorney. At The Wood Law Firm, we offer free consultations and can guide you on how best to approach your situation. If Advance Credit Services violates your rights, we can help you pursue a lawsuit to stop their harassment and potentially recover up to $1,000 in statutory damages. There’s no reason to face harassment alone—an experienced attorney can ensure you receive the compensation and justice you deserve. Call +1 844-638-1122 today.
Also read: Credit Bureau Collection Services Harassment
How to Stop Advance Credit Services Harassment: Legal Actions
Once you identify the signs of Advance Credit Services phone harassment, taking swift legal action is essential. If Advance Credit Services has harassed you, you may have grounds for a lawsuit under the Fair Debt Collection Practices Act (FDCPA).
1. Filing a Lawsuit Against Advance Credit Services
A lawsuit can stop Advance Credit Services’ harassment and compel them to cease their illegal tactics. In many cases, debt collectors like ACS may have to pay you damages for violating the FDCPA. At The Wood Law Firm, we specialize in fighting debt collectors on behalf of our clients, helping them secure fair compensation and peace of mind.
What You Could Be Entitled To
If Advance Credit Services violates your rights, you may be entitled to:
- Up to $1,000 in Statutory Damages
- Coverage of Legal Fees
- Compensation for Emotional Distress (In some cases)
Our team at The Wood Law Firm will fight to ensure you receive everything you’re entitled to under the law. Call +1 844-638-1122 today.
Also read: Associated Collection Service Debt Collection Harassment
Advance Credit Services Complaints and Common Issues
Numerous consumers have shared their experiences with Advance Credit Services in Advance Credit Services reviews. Many have expressed frustration with their aggressive collection tactics. Common complaints against Advance Credit Services include:
- Unwanted calls at all hours of the day
- Threats of legal action without proper documentation
- Harassing phone calls to family and friends
- Incorrect claims about the amount of debt owed
You no longer have to endure this treatment if you face similar issues. The Wood Law Firm can help you stop Advance Credit Services harassment and hold you accountable for your actions.
Advance Credit Services Lawsuit: Why You Should Consider Legal Action
If Advance Credit Services has violated your rights, a lawsuit could be the best way to stop the harassment. The FDCPA prohibits Debt collectors from using deceptive, threatening, or abusive tactics to collect debt, and Advance Credit Services is no exception. Here’s what to expect when you file a lawsuit against Advance Credit Services debt harassment.
What Happens in an ACS Lawsuit?
If you decide to take legal action against Advance Credit Services, the process typically involves:
- Filing a Complaint – This outlines the violations and requests damages.
- Negotiations or Court Hearing – You may settle the case out of court or go to trial.
- Damages Awarded – If you win, you could be entitled to compensation for damages and attorney fees.
Legal action sends a strong message to Advance Credit Services and other debt collectors that harassment is unacceptable. If you have faced harassment by Advance Credit Services threats or illegal collection practices, don’t wait any longer—contact The Wood Law Firm at +1 844-638-1122 for a consultation today.
Also read: Account Services Phone Harassment
Protecting Yourself from Debt Collection Harassment in the Future
Once you’ve dealt with Advance Credit Services phone harassment, you must protect yourself from future issues. Here are a few tips:
1. Know Your Rights
Educate yourself on the Fair Debt Collection Practices Act (FDCPA), which protects consumers from abusive debt collection tactics.
2. Keep Detailed Records
Whenever you receive a call from a debt collector, document everything. Take notes on what was said, the time of day, and the phone number used. Keep all written communication in a safe place.
4. Contact a Consumer Rights Attorney
If debt collectors continue to harass you, reach out to an attorney specializing in debt harassment. The Wood Law Firm can provide guidance and legal support to protect your rights. Call +1 844-638-1122,
Also read: Client Services Debt Collection Harassment
Stop The Harassment Today
Don’t let Advance Credit Services’ debt collection harassment affect your life any longer. If you face unwanted phone calls, threats, or other illegal actions from Advance Credit Services, you can end it. The Wood Law Firm is here to help you fight back and secure the compensation you deserve.
Contact The Wood Law Firm
If you’re ready to stop Advance Credit Services phone harassment, call The Wood Law Firm at +1 844-638-1122. We offer a free consultation and won’t charge legal fees unless we win your case. Let us help you protect your rights and end the harassment you’re facing.
Some Useful Links:
North Carolina Attorney General
Consumer Finance
