Constant calls and unwelcome communication from the Accounts Service of Colorado collectors can quickly escalate from legitimate debt collection into illegal harassment. While debt collectors have a legal right to recover funds, they must comply with the Fair Debt Collection Practices Act (FDCPA) and harassment laws. If their actions involve intimidation, threats, or repeated disturbances at odd hours, you have legal recourse.
Under federal law, you may be entitled to statutory damages up to $1,000 if collectors violate your rights, and they must pay your attorney fees. The Wood Law Firm has over 10 years of experience stopping debt collector abuse, and we work on a contingency basis with zero upfront costs to you.
Call now: 844-638-1122 for a free case review within 24 hours.
Understanding Accounts Service of Colorado
Accounts Service of Colorado operates as a debt collection agency that contacts consumers regarding unpaid debts. The organization has been in operation for several years and maintains a presence in the collections industry. While they are a legitimate business, numerous consumer complaints point to aggressive tactics that may cross legal boundaries into harassment.
If you’re unsure about the legitimacy of their claims or concerned about their methods, consult The Wood Law Firm for clarity. Our legal team can help you determine whether their actions violate your rights and what compensation you may be entitled to receive.
Recognizing Illegal Collection Practices
Not all collection practices are ethical or lawful. If you believe you’ve encountered any of these actions from Accounts Service of Colorado collectors, you might be dealing with harassment:
- Frequent or untimely calls before 8:00 a.m. or after 9:00 p.m.
- Profanity or abusive language during communication
- Disclosing your debt to third parties: family members, colleagues, or neighbors
- Threats of lawsuits or wage garnishment without legal grounds
- Misrepresentation of debts, including inflated balances or false claims
- Ignoring your rights to dispute or verify the debt within 30 days
- Using obscene or profane language intended to abuse or harass
- Repeatedly calling with the intent to annoy, abuse, or oppress
Many consumer complaints reflect these issues. If any of these tactics sound familiar, you may have the right to take action and protect yourself from harassment. Courts have found that 7-10 calls per day can constitute excessive contact.
Related: How to Document Debt Collection Harassment the Right Way
The Impact of Debt Collection Harassment
Debt collection harassment affects more than just your financial situation. Constant, aggressive contact can cause serious emotional distress, damaging your mental health, personal relationships, and overall peace of mind. Dealing with relentless phone harassment is more than an inconvenience: it may violate your rights under federal law.
The FDCPA prohibits these behaviors specifically to protect consumers from the psychological and emotional toll of abusive collection practices. Taking legal action can provide relief by stopping the harassment and potentially providing compensation for the distress you’ve experienced.
How to Handle Accounts Service of Colorado Calls
Calls from Accounts Service of Colorado numbers, such as 516-371-6369, can feel overwhelming, especially when they come repeatedly. Understanding your rights and options can help you manage these interactions effectively:
Request Cease Communication
Under the FDCPA, you can formally request that collectors stop contacting you. Send this request in writing via certified mail with return receipt requested. After receiving your letter, they must stop all contact except to confirm receipt or notify you of specific legal actions.
Verify the Debt
Ask for a written validation notice to confirm the legitimacy of their claim. You have 30 days from first contact to request debt validation. They must provide proof of the debt, including the original creditor’s name and the amount owed, before continuing collection efforts.
Seek Legal Guidance
Contact The Wood Law Firm at 844-638-1122 to discuss your situation and explore your legal options. We can help you understand whether violations have occurred and what compensation you may be entitled to receive.
Related: What to Do When a Collector Contacts You About a Paid Debt
Your Rights Under Federal Law
The Fair Debt Collection Practices Act provides comprehensive protections for consumers dealing with debt collectors. Understanding these rights empowers you to respond confidently when contacted:
- Communication Restrictions: Debt collectors cannot contact you at inconvenient times (before 8 a.m. or after 9 p.m.) or places, including your workplace if you’ve asked them to stop.
- Truthful Representation: Collectors cannot lie about the amount you owe, the legal status of your debt, or the consequences of non-payment.
- No Threats or Abuse: They cannot threaten actions they don’t intend to take or use profane, abusive, or threatening language.
- Limited Third-Party Contact: Collectors cannot discuss your debt with others except to locate you, and even then, they cannot disclose that you owe a debt.
- Validation Rights: You have the right to request written verification of any debt within 30 days of first contact.
The Fair Credit Reporting Act (FCRA) also provides important protections, ensuring that debt collectors follow specific guidelines when reporting to credit bureaus and do not engage in harassment.
Related: How Medical Debt Collectors Cross the Line and What’s Illegal
Steps to Protect Yourself from Harassment
If you believe you’re a victim of harassment or unlawful practices, here’s how you can protect yourself:
Document All Interactions
Keep a detailed record of all communications. Note the dates, times, caller names, and nature of each call or message. Record what was said, any threats made, and whether they identified themselves properly. This documentation can be invaluable if you decide to take legal action.
Know Your Rights
Understand the protections offered by the FDCPA. Debt collectors cannot use abusive, deceptive, or unfair practices. Knowing your rights empowers you to respond confidently and recognize when violations occur.
Consult a Legal Expert
The Wood Law Firm has extensive experience handling debt collection harassment cases. We can evaluate your case, provide expert advice, and take the necessary steps to resolve your situation. Call us at 844-638-1122 for a free consultation.
Related: Can Debt Collectors Garnish Your Wages Without Warning
Common Mistakes to Avoid
When dealing with Accounts Service of Colorado collectors, avoid these pitfalls:
- Ignoring the Calls: Failing to respond could result in escalated legal actions or lawsuits. While you don’t have to speak with them, you should take action to protect your rights.
- Providing Too Much Information: Limit what you share over the phone to avoid giving collectors leverage. Don’t provide bank account information, credit card numbers, or other financial details until you’ve verified the debt.
- Making Promises You Can’t Keep: Don’t agree to payment plans you cannot afford. This can lead to broken agreements and additional harassment.
- Not Seeking Legal Help: Attempting to navigate the situation alone can leave you vulnerable. If you believe harassment is occurring, consult an experienced attorney.
Having entries from a debt collection company on your credit report can have severe negative consequences, as these entries indicate outstanding debts and can remain on your report for up to seven years.
Related: When Debt Collectors Chase Time-Barred Debts: What You Should Know
About The Wood Law Firm
At The Wood Law Firm, our mission is to protect consumers from predatory practices and ensure they receive the fair treatment they deserve. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). For over a decade, we have fought tirelessly to hold companies accountable and secure justice for our clients.
Choosing The Wood Law Firm means partnering with a team deeply committed to your cause. We understand the stress and frustration that come with facing unfair consumer practices, and we stand by your side every step of the way. Our personalized approach, combined with our extensive experience and national reach, makes us uniquely equipped to handle your consumer protection needs.
The Wood Law Firm has cultivated strong Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.
Related: Why Debt Collectors Love Calling at Night and Why It’s Illegal
About Attorney Jeff Wood
Jeff Wood is an accomplished attorney based in Arkansas, where he is fully licensed to practice law. With over 18 years of experience, Mr. Wood specializes in consumer protection, focusing on cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). His extensive knowledge in these areas has made him a trusted advocate for consumers facing unfair practices.
Though Mr. Wood is only licensed in the state of Arkansas, his legal expertise extends to multiple federal courts. He is admitted to practice in all federal courts in Arkansas, Colorado, New Mexico, and Texas, as well as the Southern District of Indiana, Eastern District of Michigan, Eastern District of Missouri, Western District of Tennessee, and Western District of Wisconsin.
The Wood Law Firm, under Mr. Wood’s leadership, also collaborates with a network of attorneys through Of Counsel relationships. These attorneys are licensed in various states, including Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas (state courts), Washington, and West Virginia. This extensive network allows The Wood Law Firm to offer comprehensive legal services across a wide geographic area, ensuring clients receive top-tier representation.
Client Success Stories
Excessive Call Harassment Case
Michael from Colorado received 12-15 calls daily from the Accounts Service of Colorado over three weeks. Despite requesting written communication only, the calls continued at all hours, including late evenings. After documenting the harassment pattern with detailed call logs, The Wood Law Firm filed an FDCPA lawsuit. Accounts Service of Colorado settled for $2,500, which included statutory damages and an agreement to cease all phone contact.
Third-Party Disclosure Violation
Sandra in Texas discovered that Accounts Service of Colorado contacted her workplace multiple times and disclosed details about her debt to her supervisor and coworkers. We documented these violations with witness statements from colleagues and pursued legal action. The case settled for $2,800, and Accounts Service of Colorado was prohibited from further workplace contact.
False Debt Claim After Payment
David from Arizona was contacted by the Accounts Service of Colorado about a debt he had already paid two years earlier. Despite providing proof of payment and bank statements, collection efforts continued for over a month. The Wood Law Firm represented David, resulting in a $3,000 settlement, removal of any negative credit reporting, and confirmation that the debt was satisfied.
Related: Can a Debt Collector Ruin Your Credit Score Without Telling You
Frequently Asked Questions
Can the Accounts Service of Colorado garnish my wages?
Accounts Service of Colorado can garnish wages only if they obtain a court judgment against you. Without proper legal authorization through court proceedings, they cannot garnish your wages. You have the right to defend yourself in court if they file a lawsuit.
Can Accounts Service of Colorado sue me for unpaid debt?
Collectors can sue you for unpaid debts, but only if the debt falls within your state’s statute of limitations, typically 3-6 years. If they file a lawsuit, you must respond within the deadline specified in the summons to avoid a default judgment.
Will Accounts Service of Colorado report my debt to credit bureaus?
Accounts Service of Colorado can report unpaid debts to credit agencies, which could negatively impact your credit score. These entries can remain on your credit report for up to seven years from the date of first delinquency.
Can the Accounts Service of Colorado arrest me for unpaid debt?
Debt collectors cannot arrest you for unpaid consumer debts like credit cards or medical bills. However, failing to comply with court orders after a legitimate lawsuit could lead to legal consequences in some cases.
What should I do if I receive calls from 516-371-6369?
If you receive calls from this or other Accounts Service of Colorado numbers, request written debt validation, document all calls with dates and times, and contact The Wood Law Firm at 844-638-1122 to discuss your legal options.
How do I stop Accounts Service of Colorado from calling me?
Send a written cease-and-desist letter via certified mail requesting that they stop contacting you. After receiving your letter, they must stop all contact except to confirm receipt or notify you of specific legal action.
Can I negotiate a settlement with the Accounts Service of Colorado?
You can negotiate a reduced payment or payment plan with the Accounts Service of Colorado. Always get settlement terms in writing before making any payments, and ensure the agreement specifies how the debt will be reported to credit bureaus.
What violations can the Accounts Service of Colorado commit?
Common violations include excessive calls (7-10+ daily), calls outside legal hours (before 8 a.m. or after 9 p.m.), false threats, third-party disclosures, and using abusive or profane language—all prohibited under the FDCPA.
How can The Wood Law Firm help with Accounts Service of Colorado harassment?
We’ll assess your case, gather evidence of violations, file complaints with regulatory agencies, and pursue legal action to stop harassment and recover statutory damages up to $1,000 plus actual damages and attorney fees.
What compensation can I receive for harassment?
If Accounts Service of Colorado violates the FDCPA, you may receive statutory damages up to $1,000, actual damages for emotional distress or financial harm, and coverage of attorney fees and court costs—all at no upfront cost to you.
Take Action Against Harassment Today
Don’t let debt collection harassment control your life. With the proper legal support, you can stop the calls, protect your rights, and regain peace of mind. The Wood Law Firm has over a decade of experience defending consumers against aggressive debt collection practices.
Call The Wood Law Firm at 844-638-1122 or visit our website to schedule a consultation. Everyone deserves freedom from harassment. We work on a contingency basis, meaning you pay no upfront fees, and we only get paid if we win your case.
Get up to $1,000 in damages plus zero attorney fees. Call now: 844-638-1122 for a free consultation.
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