Account Control Systems calling nonstop? Threatening you with arrest or wage garnishment? Making your life miserable with daily harassment? You can stop it today and get paid for their violations. The Wood Law Firm recovers up to $1,000 in damages with zero upfront costs. Call +1 844-638-1122 now.
Who Is Account Control Systems
Account Control Systems operates from Montvale, New Jersey, with a 37-year track record that includes over 35 federal lawsuits for consumer rights violations. The agency buys delinquent debts at steep discounts, then employs collectors who face constant pressure to maximize recovery rates regardless of the methods used.
Contact Information:
- Address: 85 Chestnut Ridge Rd, Ste 113, Montvale, NJ 07645
- Phone: 800-482-8026, 201-367-1622, 201-767-5300
Federal court records reveal a disturbing pattern. ACS has been sued repeatedly for harassment, workplace contact, false threats, and systematic FDCPA violations. These aren’t isolated incidents but documented evidence of problematic collection agency practices spanning decades.
Is Account Control Systems a Scam
No, Account Control Systems is not a scam. They’re a licensed debt collector authorized to pursue legitimate debts. But legitimacy means nothing when their collectors break federal law daily.
The Better Business Bureau complaint database tells the real story: consumers bombarded with calls, threatened with arrest, harassed at work, and subjected to abusive language.
Here’s what makes ACS dangerous: they profit only when they collect. Buying debts for 5-10 cents on the dollar means aggressive tactics become financially attractive. Why follow fair debt collection practices when violations rarely face consequences? This business model breeds the exact harassment you’re experiencing.
Account Control Systems Violations
Account Control Systems frequently violates these FDCPA rules:
- Time Violations: Calling before 8:00 a.m. or after 9:00 p.m. (15 U.S.C. 1692c)
- Workplace Harassment: Contacting your job after being told to stop (15 U.S.C. 1692c)
- Profanity and Abuse: Using degrading language or threats (15 U.S.C. 1692d)
- Call Frequency: Harassing you with multiple daily calls (15 U.S.C. 1692d)
- Privacy Violations: Discussing your debt with family or coworkers (15 U.S.C. 1692b)
- False Threats: Threatening arrest or legal action without basis (15 U.S.C. 1692e)
- Criminal Claims: Alleging nonpayment is a crime (15 U.S.C. 1692d)
- Wrong Person: Harassing you about someone else’s debt (Consumer rights violation)
- Rights Concealment: Not informing you of FDCPA protections (15 U.S.C. 1692g)
- Fee Padding: Adding unauthorized charges (15 U.S.C. 1692f)
Each violation gives you grounds to sue. Document everything: dates, times, names, and what was said.
Your Rights Against Account Control Systems
Federal law gives you powerful weapons against ACS harassment:
- Demand Validation: Force them to prove the debt is real and they can collect it
- Stop Contact: One cease-and-desist letter ends all calls legally
- Dispute Debts: Challenge incorrect amounts, wrong debts, or fraudulent claims
- Sue for Violations: Recover $1,000 statutory damages plus attorney fees per violation
- Privacy Protection: They cannot tell anyone about your debt except you, your spouse, or your lawyer
- Control Communication: Specify when, where, and how they contact you
Send debt validation requests within 30 days of first contact. They must stop collecting until proving legitimacy. Use certified mail for all correspondence to create evidence trails.
How to Stop Account Control Systems Calls
Stop Account Control Systems calls with these immediate actions:
- Document Every Call: Record dates, times, caller names, and conversation details in writing
- Request Validation: Send a written demand for debt proof within 30 days of first contact
- Dispute if Incorrect: Challenge any debt you don’t recognize or believe is wrong
- Send Cease-and-Desist: Mail a certified letter demanding they stop all contact
- Report Violations: File complaints with CFPB, FTC, and your state attorney general
- Call The Wood Law Firm: Get legal help at +1 844-638-1122 to stop harassment and recover damages
Never admit you owe the debt during calls. Don’t give them bank information. Don’t make payment promises under pressure. These tactics help them, not you.
Similar harassment patterns appear with Nationwide Recovery Systems, another aggressive collector we’ve successfully prosecuted.
Can Account Control Systems Sue You
Can Account Control Systems sue you? Yes, if the debt is valid and within your state’s statute of limitations (typically 3-6 years). After obtaining a court judgment, they can pursue legal collection methods, including wage garnishment and bank levies.
However, most threats are bluffs. Lawsuits cost money. Court filings require documentation they often lack. Many collectors threaten legal action to scare you into paying without actually filing. If they do sue, you’ll receive official court papers via process server or certified mail. Never ignore a lawsuit—respond within the deadline to avoid default judgment.
Contact The Wood Law Firm immediately if served with lawsuit papers. We defend you in court, challenge their evidence, and often get cases dismissed when collectors can’t prove their claims.
Can Account Control Systems Garnish Your Wages
Can Account Control Systems garnish your wages? Only after suing you and winning a court judgment. They cannot garnish wages by simply threatening it during phone calls. Threats of immediate garnishment without court involvement violate 15 U.S.C. 1692e.
Here’s how legal wage garnishment works: They sue you in court, serve you with legal papers, win a judgment (or you default by not responding), obtain a garnishment order from the judge, and serve it on your employer. Your employer then withholds money from your paychecks.
If ACS threatens wage garnishment tomorrow without mentioning lawsuits or court proceedings, they’re breaking federal law. Document the threat and contact The Wood Law Firm. That violation alone can get you $1,000 in damages.
Federal student loans and tax debts allow administrative garnishment without court orders, but debt collectors like ACS cannot use this process for consumer debts.
Federal Lawsuits Against Account Control Systems
Federal court records document 35+ lawsuits against Account Control Systems for FDCPA violations. Notable cases include:
- Newman v. ACS (2:13-cv-01131-JPS)
- Ozier v. ACS (2:14-cv-00468-WEC)
- Pietraszewski v. ACS (2:15-cv-00489-JPS)
- Mikolajczyk v. ACS (2:15-cv-01231-LA)
- Schmitz v. ACS (2:17-cv-00365-LA)
This litigation pattern proves systematic violations, not isolated mistakes. Consumers won these cases by documenting harassment, proving FDCPA violations, and demanding accountability. You can do the same.
Why The Wood Law Firm Wins Against ACS
The Wood Law Firm has stopped debt collection harassment from Account Control Systems and dozens of other aggressive collectors since 2010. We maintain an A+ BBB rating and specialize exclusively in consumer protection.
What we do for you:
- Stop harassment within 48 hours through legal intervention
- Document every FDCPA violation thoroughly
- File complaints with CFPB, FTC, and regulatory agencies
- Sue collectors who break federal law
- Recover maximum damages: $1,000 statutory plus actual damages and attorney fees
- Handle everything on contingency with zero upfront costs
The FDCPA makes losing collectors pay our fees. You never pay us out of pocket. We’ve recovered damages from States Recovery Systems, ARM Solutions, and countless other agencies using these same tactics.
Call +1 844-638-1122 today. Stop the harassment now.
Meet Attorney Jeff Wood
Attorney Jeff Wood founded The Wood Law Firm after witnessing too many consumers bullied by debt collectors who break laws with impunity. He’s spent over a decade mastering FDCPA litigation, winning hundreds of cases, and recovering hundreds of thousands in damages for harassed consumers.
Jeff never represents creditors or collectors. His exclusive focus on consumer protection means he knows every tactic collectors use and exactly how to counter them. He’s litigated every type of FDCPA violation from simple time-of-day infractions to complex fraud schemes.
Clients value his straightforward communication and aggressive advocacy. No sugar-coating, no false promises—just honest assessments and relentless pursuit of justice.
Client Success Stories
“ACS called my workplace 15 times in one week despite my employer’s policy. The Wood Law Firm sent one letter, stopped the calls immediately, and recovered $2,800 in damages. Professional, effective, and I paid nothing.”
“I was getting threats about arrest and wage garnishment daily. The Wood Law Firm explained these were illegal threats, documented everything, and settled my case for $3,200. They turned nightmare into justice.”
“After months of harassment about a debt I didn’t even owe, I contacted The Wood Law Firm. They proved the debt was fraudulent, stopped the calls, and got me $1,650 in compensation. I’m incredibly grateful.”
Frequently Asked Questions About Account Control Systems
1. Is Account Control Systems a scam?
No, ACS is a legitimate licensed debt collector. However, many consumers report abusive, illegal collection practices that violate federal law.
2. What laws protect me from Account Control Systems harassment?
The Fair Debt Collection Practices Act shields you from harassment, threats, abusive language, privacy violations, and deceptive collection tactics.
3. Can Account Control Systems call me anytime?
No, the FDCPA prohibits calls before 8:00 a.m. or after 9:00 p.m. in your time zone under 15 U.S.C. 1692c.
4. Can Account Control Systems sue me?
Yes, if the debt is valid and within the statute of limitations. However, most threats are bluffs to pressure payment without actually filing lawsuits.
5. Can Account Control Systems garnish my wages?
Only after suing you and winning a court judgment. Threats of immediate garnishment without court proceedings violate 15 U.S.C. 1692e.
6. Can I stop Account Control Systems from contacting me?
Yes, send a cease-and-desist letter via certified mail. They must stop all contact except to confirm cessation or notify you of lawsuits.
7. Can Account Control Systems contact my employer?
They can initially, but must stop if you tell them your employer prohibits such calls or you request they stop contacting you at work.
8. What if I don’t recognize the debt?
Dispute it in writing within 30 days. They must stop collection until providing written validation proving debt legitimacy and their collection authority.
9. Can I get paid if Account Control Systems harasses me?
Yes, you may recover up to $1,000 in statutory damages plus actual damages and attorney fees under 15 U.S.C. 1692k.
10. How can The Wood Law Firm help?
We stop harassment, document violations, file complaints, sue collectors who break federal law, and recover maximum damages with zero upfront costs.
