Stop Accounts Service of Colorado Debt Harassment

Accounts Service of Colorado Ltd is a licensed collection agency headquartered at 1520 N Union Blvd, Suite 103, Colorado Springs, CO 80909, and consumers across the country have contacted our firm after receiving repeated calls from their numbers, including 516-371-6369.

If that number is appearing on your caller ID, you are likely dealing with a third-party debt collector who is subject to both the federal FDCPA and the Colorado Fair Debt Collection Practices Act, and you may have legal recourse if their conduct crosses the line.

Call +1-844-638-1122 now for a free case review with The Wood Firm PLLC. We work on contingency and you pay nothing unless we win.

Also searched as: Accounts Service of Colorado, ASC Collections, Account Service Colorado, accountsserviceofcolorado.com, ASC Colorado Springs, 516-371-6369.

Key Facts About Accounts Service of Colorado

Who is the Accounts Service of Colorado

Accounts Service of Colorado Ltd is a licensed third-party debt collection agency based in Colorado Springs, Colorado, operating under the oversight of the Colorado Attorney General’s Consumer Credit Unit, which requires all collection agencies soliciting or collecting debts in the state to maintain an active license and surety bond. The company contacts consumers on behalf of original creditors to recover unpaid balances across a range of debt types, including medical bills and consumer accounts. Richard Mills serves as President, with Kim Gauger listed as the primary customer contact.

In our practice, clients who contact us about Accounts Service of Colorado frequently describe a pattern where calls continued well after a written request to stop, and where the caller failed to clearly identify the company as a debt collector when leaving voicemails. These omissions and repeated contacts are the exact categories of conduct the FDCPA was designed to prohibit, and they form the foundation of the claims our firm evaluates first.

Why Is Accounts Service of Colorado Calling Me

Accounts Service of Colorado is calling you because a creditor has placed an unpaid account with them for collection, which means they have a financial interest in recovering the balance and will use repeated outreach to accomplish that. That said, the right to collect does not include the right to harass, mislead, or contact you outside the rules federal law sets out.

According to consumer complaints filed with the Better Business Bureau and the CFPB, consumers have alleged that Accounts Service of Colorado engaged in the following patterns:

• Repeated calls after a cease request: Consumers have reported, according to BBB complaint records, that calls continued after they sent written requests to stop, which, if proven, would constitute a violation of 15 U.S.C. § 1692c(c) for each call placed after receipt of that letter.
• Third-party disclosure: Consumers have alleged that collectors contacted family members, neighbors, or workplace contacts and disclosed information about the debt, conduct the FDCPA prohibits except in narrow circumstances related to locating the consumer.
• Calls outside legal hours or at inconvenient places: Consumers have reported calls before 8:00 a.m. or after 9:00 p.m., and contact at workplaces after the consumer informed the caller that their employer did not permit personal calls, both of which federal courts have found to be violations in similar cases.

Review the Accounts Service of Colorado BBB complaints page to read consumer-filed complaints about their collection methods.

Is Accounts Service of Colorado a Scam or a Legitimate Company

Accounts Service of Colorado is a legitimate, licensed debt collection agency registered with the Colorado Attorney General’s Consumer Credit Unit, not a scam operation. However, being a licensed collector and following the law are two different things, and a legitimately registered company can still violate your rights on every call they make.

Under Colorado law, collection agencies are required to maintain a license and surety bond with the state. You can verify an agency’s licensed status by checking the Colorado Attorney General’s Consumer Credit Unit License Holders Report. If a company is not on that list, you should report it immediately using the Consumer Complaint Form on the Colorado AG’s website.

Accounts Service of Colorado is a registered entity, which means consumers dealing with them are protected by both the federal FDCPA and the Colorado Fair Debt Collection Practices Act, a state law that mirrors and in some respects exceeds the protections offered at the federal level.

How to Identify Calls from Accounts Service of Colorado

If 516-371-6369 appears on your caller ID, you are likely receiving a call from Accounts Service of Colorado. Collectors operating on their behalf may also call from rotating or masked numbers, which is a common tactic designed to make it harder to screen calls.

Under the Fair Debt Collection Practices Act (FTC), every debt collector is required to identify themselves as a debt collector in the first communication and in any subsequent communication where that information is requested. A voicemail that does not state the caller is attempting to collect a debt fails this requirement.

Under the Telephone Consumer Protection Act (FCC), if the collector is using an automated dialing system or pre-recorded voice to reach you on a cell phone without your prior express consent, each of those calls may carry a statutory damages claim of $500 to $1,500 per call.

In our firm’s experience, Accounts Service of Colorado may use multiple outbound numbers. Log every call: the date, time, number displayed, caller name given, and exactly what was said. This documentation is the foundation of any FDCPA or TCPA claim.

How to Respond to Accounts Service of Colorado

The most important first step is to stop engaging verbally and start creating a paper trail, because every written exchange becomes potential evidence if this matter ever enters a courtroom.

1. Document every contact immediately. Note the date, time, number, name of the caller if given, and the substance of what was said. If a caller makes a threat, write it down word for word. Courts in FDCPA cases have found detailed call logs to be among the most persuasive evidence a consumer can offer.
2. Request written debt validation. Within 30 days of first contact, send a written request demanding that Accounts Service of Colorado provide verification of the debt, including the original creditor’s name and the amount claimed. If they continue collection activity before providing that verification, that continuation may itself be a violation.
3. Send a written cease-and-desist if the calls are harassment. If you want the calls to stop, send a written letter via certified mail with return receipt requested. After they receive it, they may only contact you to confirm receipt or to notify you of a specific legal action they intend to take. Any other call after that point may be a standalone FDCPA violation.
4. Contact an attorney before making any payment. If a caller claims you owe a debt you do not recognize, or if they are pressuring you with threats of lawsuits, wage garnishment, or arrest, consult with an attorney first. Some of those statements may themselves be violations worth pursuing.

Can Accounts Service of Colorado Garnish My Wages

Accounts Service of Colorado cannot garnish your wages without first filing a lawsuit and obtaining a court judgment. No debt collector in the United States can access your paycheck based solely on an unpaid account. If a collector is threatening wage garnishment without referencing a court judgment, that threat may violate the FDCPA’s prohibition on false or misleading representations under 15 U.S.C. § 1692e.

Will Accounts Service of Colorado Appear on My Credit Report

Accounts Service of Colorado may report collection accounts to the major credit bureaus, which can remain on your credit report for up to seven years from the date of first delinquency with the original creditor. If the information they have reported is inaccurate, inflated, or applied to the wrong person, you have the right to dispute it under the Fair Credit Reporting Act. In our practice, we have seen clients targeted by collection agencies reporting debts that were already paid, discharged, or simply placed on the wrong person’s file, each of which creates a viable FCRA claim separate from any FDCPA issue.

What Our Clients Say

How The Wood Firm PLLC Fights Accounts Service of Colorado

We Know Accounts Service of Colorado’s Specific Playbook

When clients bring us cases involving Accounts Service of Colorado, the first things we look for are the call logs. The documented complaint patterns against this agency center on repeat calling, third-party contact, and continued collection after a cease request, each of which creates a discrete FDCPA violation we can quantify. We also look at whether any calls were placed to cell phones using automated technology without prior express consent, which triggers a separate analysis under the TCPA. In our practice, the combination of FDCPA and TCPA claims arising from the same pattern of calls frequently produces a stronger case than either statute alone.

We Stop the Calls Within 48 Hours

The moment The Wood Firm PLLC sends a notice of representation to Accounts Service of Colorado, federal law prohibits them from contacting you again except through an attorney. In our experience, collectors who understand they are now dealing with a consumer protection law firm significantly change their behavior immediately. Clients consistently report that the calls stop within 48 hours of our engagement.

We Handle FDCPA, FCRA, and TCPA Claims

Our practice is built around the three federal statutes most likely to apply to Accounts Service of Colorado’s conduct. The FDCPA governs how they communicate, what they can say, and when they must stop. The FCRA governs what they can report to the credit bureaus and gives consumers the right to dispute inaccurate entries.

The TCPA governs any automated calling or texting to cell phones without consent. Based on what clients describe about Accounts Service of Colorado’s tactics, all three statutes may apply in the same case.

You Pay Nothing Unless We Win

The Wood Firm PLLC handles every consumer protection case on a contingency basis. You pay no upfront fees, no retainer, and no hourly charges. If we win, the FDCPA requires that Accounts Service of Colorado pay our attorney fees and court costs. If we do not win, you owe us nothing. This is not a marketing promise; it is how the FDCPA was designed to work.

About Attorney Jeff Wood

Jeff Wood founded The Wood Firm PLLC because he believes consumers deserve a fighting chance against collectors who treat federal law as optional. He has spent more than 15 years exclusively on the consumer side of these cases and has never once represented a creditor or collection agency, a distinction that matters when you want an attorney who understands exactly what a collector is trying to do and why.

Jeff is admitted to federal courts in Arkansas, Colorado, New Mexico, Texas, the Southern District of Indiana, the Eastern District of Michigan, the Eastern District of Missouri, the Western District of Tennessee, and the Western District of Wisconsin. He takes calls personally, reviews every case himself, and built a firm that operates exactly the way consumer protection law intended: the collector pays, the consumer does not.

This article was reviewed for legal accuracy by Attorney Jeff Wood, Esq., founding attorney of The Wood Firm PLLC. Last reviewed: April 2026.

Frequently Asked Questions About Accounts Service of Colorado

Is Accounts Service of Colorado a legitimate debt collector?

Yes, Accounts Service of Colorado Ltd is a legitimate, licensed debt collection agency registered with the Colorado Attorney General’s Consumer Credit Unit. However, a license does not mean every tactic they use is lawful, and consumer complaints filed with the BBB and CFPB suggest conduct that may violate the FDCPA. Review the Accounts Service of Colorado BBB complaints page for details.

Can Accounts Service of Colorado garnish my wages?

Accounts Service of Colorado cannot garnish your wages without first suing you and obtaining a court judgment. Any threat of garnishment without a judgment is potentially a false and misleading statement under the FDCPA, which carries up to $1,000 in statutory damages per violation.

What should I do if I get calls from 516-371-6369?

Document the call immediately: date, time, number displayed, the caller’s name if given, and what was said. If calls are frequent, early, late, or threatening, you may have an FDCPA claim. Contact The Wood Firm PLLC at +1-844-638-1122 to review your situation at no cost.

How do I stop Accounts Service of Colorado from calling me?

Send a written cease-and-desist letter by certified mail with return receipt requested. After they receive it, federal law requires them to stop all contact except to confirm receipt or notify you of a specific legal action. Any call after that point may be a standalone FDCPA violation. Having an attorney at The Wood Firm PLLC send a notice of representation typically stops calls within 48 hours.

Can Accounts Service of Colorado sue me for unpaid debt?

Accounts Service of Colorado can file a lawsuit if the debt is within Colorado’s statute of limitations, which is generally three to six years depending on the account type. If you receive a summons, you must respond within the stated deadline to avoid a default judgment. Contact an attorney immediately if you are served.

Will Accounts Service of Colorado appear on my credit report?

Accounts Service of Colorado may report collection accounts to the major credit bureaus, where they can remain for up to seven years. If the entry is inaccurate, disputed, or belongs to another consumer, you have rights under the Fair Credit Reporting Act to dispute and potentially remove it. The Wood Firm PLLC handles FCRA claims alongside FDCPA cases.

What FDCPA violations can Accounts Service of Colorado commit?

According to consumer complaints, the patterns most commonly alleged against Accounts Service of Colorado include: calling repeatedly to annoy or harass, contacting third parties about a consumer’s debt, continuing calls after a written cease request, calling at inconvenient hours, and failing to identify the caller as a debt collector. Each confirmed violation carries up to $1,000 in statutory damages.

How does The Wood Firm PLLC handle these cases?

Our firm reviews your call logs, sends a notice of representation to stop the calls, evaluates FDCPA, FCRA, and TCPA claims, files federal court actions where supported by the evidence, and pursues statutory damages on your behalf. We work on contingency: you pay nothing, and Accounts Service of Colorado pays our fees if we win. Call +1-844-638-1122 to get started.

The Wood Firm PLLC has spent more than 15 years fighting debt collector abuse exclusively on the consumer side, and Accounts Service of Colorado cases are among the types our firm handles regularly. When a client calls us about this collector, we look immediately at call frequency, third-party contact, post-cease-request calls, and whether any automated dialing was used on a cell phone without consent.

These are the specific fact patterns that most often support FDCPA and TCPA claims against this agency. You may owe the debt, or you may not, but either way you are protected from illegal collection tactics, and we work on contingency so there is no financial barrier to finding out where you stand. Call +1-844-638-1122 for a free case review today.