American Credit Bureau phone harassment is a serious issue; fortunately, there’s something you can do about it. Whether they’re calling you multiple times a day, at all hours, or threatening to garnish your wages or destroy your credit, these tactics are illegal, and you should not tolerate this.
The Fair Debt Collection Practices Act (FDCPA) protects you from this type of harassment. If American Credit Bureau violates these rules, you have the right to take action. In many cases, consumers who have faced harassment from ACB are entitled to up to $1,000 in statutory damages, in addition to having their attorney’s fees covered. If you’ve experienced American Credit Bureau debt collection harassment, it’s crucial to understand your rights and take steps to stop it.
What Is American Credit Bureau?
American Credit Bureau (ACB) is a third-party debt collection agency headquartered in Boca Raton, Florida. The company collects overdue debts for other businesses, typically for credit card companies, medical providers, or utilities. While third-party debt collectors like ACB play an essential role in the debt collection process, their methods often raise questions about ethics and legality.
ACB has been in business for over 16 years. ACB has had more than 25 federal court cases related to violations of consumer rights. These cases often include allegations of harassment, illegal collection practices, and other violations of the FDCPA.
Their office Address:
1200 N. Federal Hwy., #200
Boca Raton, FL 33432
If you’ve received calls from ACB, especially if they repeatedly contact you, threaten legal action, or use offensive language, you may be experiencing American Credit Bureau phone harassment.
Also read: American Coradius Debt Collection Harassment
Is American Credit Bureau a Scam?
Some consumers wonder, “Is American Credit Bureau a scam?” While the American Credit Bureau is a legitimate debt collection agency, its aggressive tactics have raised red flags. Many have complained about their methods to the Better Business Bureau (BBB) and other consumer protection agencies.
According to the BBB, American Credit Bureau has been in business for over 16 years. However, there have been complaints about ACB related to unethical collection practices. These complaints suggest that ACB engages in harassment, including unwanted phone calls, threats of lawsuits, and false statements about the consequences of non-payment.
So, while American Credit Bureau is not a scam, it’s essential to be aware of its reputation and legal protections If someone harasses you.
Harassing Collection Tactics: What You Need to Know
People often question the tactic employed by American Credit Bureau. As a debt collection agency, ACB must follow strict rules under the FDCPA to ensure they treat consumers fairly and respectfully. Unfortunately, many consumers have flagged their practices as problematic.
Some standard illegal practices that American Credit Bureau may engage in include:
- Using Profanity or Abusive Language: Debt collectors, including American Credit Bureau, cannot use offensive language, insults, or aggressive tones when contacting you. If ACB uses offensive language, they’re violating your rights.
- Calling Before 8:00 a.m. or After 9:00 p.m.: According to the FDCPA, debt collectors can only contact you after 8:00 a.m. or after 9:00 p.m. If ACB is calling during these hours, they are breaking the law.
- Repeated Calls: Constant calls can be considered harassment. ACB may contact you several times a day. If this behavior is excessive, it violates your rights under the FDCPA.
- Contacting Your Family or Neighbors: Debt collectors cannot discuss your debt with anyone other than you. If ACB has called your family members or neighbors about your debt, doing so is illegal.
- Threatening Legal Action or Wage Garnishment: While the American Credit Bureau can pursue legal action if necessary, it cannot make false threats. It cannot threaten to sue you or garnish your wages unless it intends to take legal action.
- Failing to Notify You of Your Right to Dispute the Debt: The FDCPA mandates that debt collectors inform you of your right to dispute the debt within five days of initial contact. If ACB fails to provide this information, it violates the law.
- Misleading Information About Your Debt: The American Credit Bureau must provide accurate information about the debt you owe. They are breaking the law if they claim you owe more than what is legally required or misstate your balance.
Also read: Credit Bureau Collection Services Harassment
What to Do If You’re Receiving Harassing Calls from American Credit Bureau
If you are facing American Credit Bureau phone harassment, you should take steps to stop it. Here’s what you can do:
- Document Everything: Keep a detailed log of all phone calls from ACB, including the date, time, and nature of the conversation. Such information will be helpful if you decide to take legal action or file a complaint.
- Request a Written Debt Validation: Send a written request to ACB asking them to validate the debt and requiring them to provide proof that you owe the money. If they fail to do so, they cannot continue their collection efforts.
- Send a Cease and Desist Letter: If the calls continue, send a formal letter requesting that ACB cease all communication with you. Once they receive this letter, they must stop contacting you, except in certain situations (e.g., informing you of any legal actions.
- Consult an Attorney: If the harassment continues, contact an experienced attorney at The Wood Law Firm. We specialize in defending consumers against American Credit Bureau phone harassment. We can help you stop the illegal calls and protect your rights.
Also read: American Collection Services Harassment
Is A Debt Collector Threatening You with Legal Action?
Suppose American Credit Bureau is threatening to sue you or garnish your wages. You may be wondering how serious those threats are. The truth is that debt collectors can take legal action if they follow the appropriate legal procedures, but they cannot make threats that aren’t true. Here are some key points to consider:
- ACB Can Sue You: If the debt is within the statute of limitations (which varies by state), American Credit Bureau can file a lawsuit to collect the debt. If they win the lawsuit, they may be able to garnish your wages or place a lien on your property.
- ACB Cannot Threaten Jail Time: Debt collectors, including ACB, cannot threaten to have you arrested for not paying a debt. While failure to pay some debts (like child support or taxes) can lead to arrest, standard consumer debts do not carry that consequence.
- Legal Action Must Be Valid: If ACB threatens to sue you, they must have a valid case. You can contest the lawsuit if the debt is not yours or one you have paid.
Contact The Wood Law Firm for legal advice if you’re concerned about American Credit Bureau lawsuit threats. We can help you navigate the situation and protect your rights. Call +1 844-638-1122.
Also read: North American Credit Services Debt Collection Harassment
American Credit Bureau Phone Numbers to Lookout For
ACB uses a variety of phone numbers to contact consumers. Some of the most common numbers associated with American Credit Bureau phone harassment include:
- 561-750-9422
- 800-761-7702
- 561-734-3999
If you receive calls from these numbers or similar ones, ACB may be trying to contact you. While these are not the only numbers they use, they are frequently associated with their collection efforts. If you recognize these numbers, don’t hesitate to contact The Wood Law Firm to discuss your situation.
Can American Credit Bureau Garnish My Wages or Bank Accounts?
American Credit Bureau can garnish your wages or bank accounts, but only if they win a lawsuit against you. If ACB takes you to court and obtains a judgment, they can request wage garnishment or bank account levies to collect the debt. However, they must follow the legal process to do so, and there are limits to how much they can garnish.
What Are Common Complaints Against American Credit Bureau?
Suppose you’re wondering what other consumers are saying about American Credit Bureau. In that case, you might be interested in checking out American Credit Bureau reviews. Many consumers have reported problems with ACB’s harassment tactics, including:
- Repeated phone calls at all hours of the day
- Threats of legal action or wage garnishment
- Unlawful disclosures of debt to family members or employers
- False information about the debt owed
If you’re experiencing similar issues, you’re not alone. You have the right to challenge these actions, and The Wood Law Firm can help.
Also read: American Debt Management Debt Collection Harassment
How The Wood Law Firm Can Help You Stop Harassment
If you’re facing American Credit Bureau phone harassment, don’t wait. The Wood Law Firm specializes in defending consumers from unlawful debt collection tactics. Our experienced attorneys can help you understand your rights, take legal action against ACB, and stop the harassment.
We will guide you through every step, from sending cease and desist letters to taking legal action if necessary. With our help, you can end American Credit Bureau phone harassment once and for all.
If you’re tired of dealing with American Credit Bureau threats, wage garnishment threats, or repeated phone calls, contact The Wood Law Firm at +1 844-638-1122. We’ll work with you to stop the harassment and protect your rights. Don’t let debt collectors intimidate you—take control of your situation and get the help you deserve.
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