Searches for “Advanced Financial Servicing calling me” often lead consumers to this page by mistake. If a 336 area code number is calling you, you are likely dealing with Advance Credit Services. This guide covers who they are, what they can legally do, and what violations may cost them.
Key Takeaways
- Advance Credit Services, also known as Carolina Medicorp Enterprises, Inc., is based in Winston-Salem, NC.
- The company has operated since February 1990 and holds an A+ BBB rating without BBB accreditation.
- Federal court records show at least two lawsuits alleging FDCPA violations, including harassment and false threats.
- Advance Credit Services is a different company from Advanced Financial Servicing, a common source of consumer confusion.
- FDCPA violations can carry damages up to $1,000 per lawsuit, and TCPA robocalls can carry $500 to $1,500 per call.
- The Wood Firm PLLC handles Advance Credit Services cases on contingency, so clients pay nothing unless we win.
Free Case Review: +1-844-638-1122
Who Is Advance Credit Services?
Advance Credit Services is a third-party debt collection agency headquartered in Winston-Salem, North Carolina. The company also operates under the name Carolina Medicorp Enterprises, Inc. It has been in business since February 1, 1990.
The company holds an A+ rating with the local BBB, though it is not accredited. In our practice, clients who contact us often describe excessive daily calls and garnishment threats. Calls to family members that disclose debt details are also common in these complaints.
Advance Credit Services Phone Numbers and Contact Information
Advance Credit Services contacts consumers primarily from two main numbers tied to its Winston-Salem office.
- Also Known As: Carolina Medicorp Enterprises, Inc.
- Address: Winston-Salem, NC 27106-3264 (also PO Box 25923, Winston-Salem, NC 27114-5923)
- Phone: 336-397-0220 | (336) 397-0220 | +1 336-397-0220 | 3363970220, and 336-397-0225 | (336) 397-0225 | 3363970225
- Compliance Director: Conni Theisen
- BBB Profile: Advance Credit Services BBB listing
Is Advanced Financial Servicing the Same Company as Advance Credit Services?
No. Advance Credit Services and Advanced Financial Servicing are two separate debt collectors. Advance Credit Services calls primarily from 336 area code numbers tied to its Winston-Salem office.
If your caller used a different name or number, you may be dealing with Advanced Financial Servicing instead. Both companies are subject to the same federal FDCPA protections.
Why Is Advance Credit Services Calling You?
Advance Credit Services is calling you because a creditor assigned or sold your account to them for collection. The company reportedly handles medical, retail, and financial account debts on behalf of original creditors. Before paying anything, request written debt validation to confirm the debt is actually yours.
Is Advance Credit Services a Scam?
Advance Credit Services is a real, licensed agency, but licensed does not mean every tactic is legal. The company has operated in Winston-Salem since 1990 and maintains an active BBB profile. Court filings allege the company has crossed into false threats and unauthorized disclosures in specific cases.
In our practice, we ask new clients to confirm the exact company name and callback number before responding. Scammers sometimes impersonate real collectors like Advance Credit Services to pressure quick payment. Verifying the caller against the compliance office listed above can help rule out an impersonation attempt.
Is Advance Credit Services Banned by the FTC?
No. Available research shows no FTC ban or public enforcement action against Advance Credit Services. Federal court lawsuits and BBB complaints still document alleged FDCPA violations tied to the company’s calling practices. Consumers can also file complaints with the CFPB or the North Carolina Attorney General.
Has Advance Credit Services Been Sued for Debt Collection Violations?
Yes. Federal court records include at least two lawsuits naming Advance Credit Services as a defendant.
- Reavis v. Advance Credit Services: the plaintiff alleged FDCPA violations tied to the company’s collection calls.
- Smith v. Advance Credit Services: the plaintiff alleged harassment and false legal threats during collection calls.
In our practice, those allegations match what clients describe: excessive call volume, unsubstantiated legal threats, and third-party disclosures. When those three patterns appear together, they often strengthen a single consumer’s claim.
What Can’t Advance Credit Services Legally Do?
Advance Credit Services cannot call before 8 a.m. or after 9 p.m. in your time zone. Any call outside those hours from a 336 number is a potential FDCPA violation. Check how many times a collector can legally call per day.
The company cannot threaten wage garnishment without first suing you, winning, and obtaining a court order. A threat of immediate garnishment without mentioning those steps is a federal violation.
Advance Credit Services also cannot disclose your debt to family members beyond asking for your location. It cannot keep calling your workplace once you say your employer bans personal calls. It also cannot threaten arrest over a civil debt.
How Do You Stop Advance Credit Services From Calling You?
A few concrete steps can help you document violations and stop the calls.
- Log the date, time, and number for every call, noting any before 8 a.m. or after 9 p.m.
- Send a written debt validation request within 30 days of first contact by certified mail.
- Send a written cease-and-desist letter demanding all contact stop, and review what to say and not say to a collection agency.
- Call an attorney if the calls continue after your written request.
Clients who bring documented call logs showing six to ten calls a day have the strongest starting position. In our practice, we build every case around that kind of documented pattern. The more specific your log, the faster we can evaluate your claim.
How The Wood Firm PLLC Fights Advance Credit Services
The Wood Firm PLLC reviews call logs, garnishment threats, and family-contact complaints tied to Advance Credit Services. We evaluate claims under the FDCPA, FCRA, and TCPA from the first case review. Once we take a case, we send a legal demand notice, and calls typically stop within 48 hours.
The firm handles every case on contingency, so clients pay nothing unless we win. Learn more about how we work for you and why clients choose us. Call The Wood Firm PLLC at +1-844-638-1122 for a free case evaluation.
Documented call logs and garnishment threats are often the strongest evidence in an Advance Credit Services case. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, and violators pay our fees.
Why Is Advanced Credit Services Calling Me If I Don’t Recognize the Debt?
You may still be a target even if the debt is unfamiliar, since accounts often change hands. Request written validation within 30 days, and Advance Credit Services must prove the debt is yours before continuing. Learn what to do when a debt collector first contacts you.
Can Advance Credit Services Garnish My Wages?
No, not without a court judgment first. The company must sue you, win, and obtain a garnishment order before any wages can be withheld. A threat of immediate garnishment without those steps may violate the FDCPA.
Can Advance Credit Services Sue Me?
Yes, if the debt is valid and within North Carolina’s statute of limitations. North Carolina generally allows three years for most written contracts. If the debt is older than that, a threat 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 damages per lawsuit, plus attorney fees. The Wood Firm PLLC handles these cases on contingency.
What Is Carolina Medicorp Enterprises?
Carolina Medicorp Enterprises, Inc. is the registered alternate name for Advance Credit Services in Winston-Salem, NC. If you receive mail or calls under that name, it is the same company as ACS. Both names share the same compliance office and phone numbers.
How Do I Stop Advance Credit Services From Calling Me?
Send a written cease-and-desist letter by certified mail to their Winston-Salem address. After receipt, they can only contact you to confirm the stop or name a planned legal action. Any call beyond that scope is a documented FDCPA violation.
What if Advance Credit Services Called the Wrong Person?
Document the calls and tell the company in writing that they have reached the wrong person. Continued calls after that written notice are still FDCPA violations. You may be entitled to statutory damages even though you never owed the underlying debt.
What Happens Next With Advance Credit Services?
What happens next depends on the records you keep starting today. Log every call, save every letter, and send written validation if you have not already.
A short conversation with an attorney can clarify whether Advance Credit Services crossed into an FDCPA violation. Browse our list of collection agencies, review your consumer rights, or explore our full practice areas. Call The Wood Firm PLLC at +1-844-638-1122 for a free, no-obligation case review.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
