You might feel overwhelmed when faced with constant calls and threats from American Coradius International (ACI). Understanding your rights is critical to stopping American Coradius debt collection harassment. This article covers what you need to know about ACI’s practices, your legal options, the FDCPA laws, and how to respond.
Who Is American Coradius?
American Coradius International, or ACI, is a third-party debt collection agency headquartered in Buffalo, New York. While American Coradius collectors often approach their work within legal limits, some have faced accusations of aggressive tactics, including American Coradius phone harassment.
Who Is Safe from American Coradius Harassment?
Federal and state laws exist to shield consumers from abusive practices by debt collectors like American Coradius. The Federal Debt Collection Practices Act (FDCPA) outlines specific rules regarding what collectors can and cannot do. If American Coradius or any other agency breaks these laws, you could pursue legal action with the support of an attorney, such as The Wood Law Firm.
Also read: American Debt Management Debt Collection Harassment
Common Tactics Used by American Coradius Collectors
Debt collection agencies like ACI use many strategies to collect on overdue accounts, and some tactics may cross legal boundaries. If you’ve encountered any of the following behaviors from American Coradius collectors, you may be dealing with harassment:
- Threatening legal action—Debt collectors may use the fear of lawsuits to push for quick payment, even when they do not intend to sue.
- Calling at odd hours—The FDCPA restricts calls before 8:00 a.m. and after 9:00 p.m. If American Coradius calls you outside these hours, it’s breaking the law.
- Frequent calls to friends or family – Debt collectors can only contact others to locate you, not to discuss your debt.
- Use of offensive language – Harassment isn’t just about volume; it includes threatening or abusive language.
- Harassing phone numbers – If your phone rings repeatedly from a list of numbers associated with American Coradius, it could constitute harassment.
If you’ve experienced these or other abusive actions from American Coradius agents, document each instance and contact The Wood Law Firm for support at +1 844-638-1122.
Also read: American Collection Services Harassment
Can American Coradius Threaten Legal Action?
One common fear is that American Coradius will initiate legal proceedings to collect the debt. It’s essential to know that while a debt collector can take legal action, they must follow strict protocols. The FDCPA prohibits collectors from making false threats. If American Coradius threatens to sue but doesn’t have grounds, they’re violating your rights.
How Long Can American Coradius Sue Over a Debt?
Each state has its statute of limitations on debt collection lawsuits, typically three to seven years, which means that American Coradius may not legally pursue a debt in court after a certain period. However, collectors may still try to contact you after the statute of limitations expires, which can impact your credit.
Avoiding Debt Revival: Key Advice
Acknowledging or making a small payment on a debt can reset the statute of limitations. American Coradius collectors may persuade you to confirm the debt or make a “good faith” payment. Avoid confirming ownership of the debt over the phone, as it could restart the clock.
Recognizing American Coradius Phone Harassment
American Coradius phone harassment can come in many forms, including constant calls and pressure tactics. If American Coradius agents contact you from any of the following numbers, you may be experiencing harassment:
- 800-759-2241
- 716-418-7200
- 716-995-7300
The list above is partial, as American Coradius may use other numbers. If these or similar numbers repeatedly appear on your caller ID, they’re likely part of a phone harassment strategy.
Also read: Paramount Recovery Systems Debt Collection Harassment
Responding to American Coradius Threats
American Coradius threats are sometimes vague, ranging from insinuations of credit damage to claims that they will inform your friends and family about your debt. If this has happened to you, record each interaction, and don’t engage with the threats. Instead, request verification of the debt and have them mail it to you in writing.
What To Do When American Coradius Contacts You
You can take several proactive steps to handle harassment from American Coradius collectors:
- Request a Debt Validation – Within 30 days of their first contact, ask American Coradius for debt validation.
- Write a Cease-and-Desist Letter – A cease-and-desist letter can require American Coradius to stop contacting you by phone.
- Record and Document Everything—Record all calls, letters, and other interactions with American Coradius.
For further assistance, consult The Wood Law Firm at +1 844-638-1122. They can help you with a cease-and-desist order if you’re unsure how to proceed.
Also read: North American Credit Services Debt Collection Harassment
Is American Coradius a Scam?
If you’re questioning, “Is American Coradius a scam?” you’re not alone. Though they are a legitimate debt collection agency, some consumers feel their aggressive practices resemble scams. The American Coradius reviews on the Better Business Bureau (BBB) provide insight into customer complaints, many citing American Coradius threats and unethical behavior.
How American Coradius Phone Harassment Violates the FDCPA
The FDCPA protects you from abusive practices by debt collectors, including those by American Coradius collectors. Under the FDCPA, American Coradius cannot:
- Contact you outside of designated hours.
- Misrepresent the amount you owe.
- Use obscene or profane language.
- Engage in threats or intimidation tactics.
You can report any of these violations. The FDCPA allows you to take legal action, potentially recovering damages up to $1,000 per incident.
Also read: Credit One Bank Debt Collection Harassment
Filing Complaints Against American Coradius
If you feel American Coradius has violated the FDCPA, file a complaint with the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). Filing a complaint helps hold American Coradius accountable and strengthens your case if you decide to pursue legal action. You may also contact The Wood Law Firm at +1 844-638-1122 to begin protecting your rights.
Understanding How to Stop Harassment from American Coradius
If American Coradius collectors have consistently harassed you, you have options. Contacting The Wood Law Firm is one of the best steps toward ending the harassment. They have years of experience assisting clients in situations like yours and offer the expertise to end unlawful debt collection practices.
Key Takeaways
- Stay Informed: The more you understand your rights under the FDCPA, the better prepared you’ll be to handle American Coradius debt collection harassment.
- Take Action: From requesting debt validation to filing complaints, every step you take strengthens your case.
- Seek Legal Help: The Wood Law Firm can help stop harassment and provide guidance on pursuing any damages owed to you.
If you’re experiencing American Coradius debt collection harassment, contact The Wood Law Firm today at +1 844-638-1122. Their support can make all the difference in ending American Coradius phone harassment and reclaiming peace.
Some Useful Links:
New York Attorney General
Consumer Finance
