Accounts Service of Colorado, Ltd. contacts Colorado consumers primarily about unpaid medical bills, including hospital copays, lab fees, and dental charges, often before sending any written validation notice. According to BBB records and consumer complaints, the agency has allegedly damaged credit scores by reporting debts before notifying the consumer in writing. If that matches your situation, call +1-844-638-1122 for a free case review with The Wood Firm PLLC.
Key Takeaways
- Accounts Service of Colorado, Ltd. operates from 4905 N Union Blvd, Suite 100, Colorado Springs, CO 80918, collecting primarily medical, dental, utility, and property management debts.
- Consumers have allegedly reported that the agency reports debts to credit bureaus before sending a written validation notice, according to BBB complaint records.
- The most common documented complaint pattern involves repeated calls after consumers requested the agency stop, and calls to consumers at their place of employment.
- Both the FDCPA and Colorado’s 3-year statute of limitations on medical debt govern this agency’s conduct — and a broken validation sequence may give rise to federal claims.
- FDCPA violations may entitle you to up to $1,000 in statutory damages; TCPA violations may result in $500–$1,500 per call.
- The Wood Firm PLLC handles these cases on contingency — no upfront fees, and the collector pays if they violated federal law.
Free Case Review: +1-844-638-1122
Who is the Accounts Service of Colorado?
Accounts Service of Colorado, Ltd. is a third-party debt collection agency registered as an active domestic corporation in Colorado. The agency focuses primarily on healthcare accounts, collecting unpaid hospital bills, doctor office copays, lab testing fees, and dental charges on behalf of regional providers. It also collects for local service businesses, including retail accounts, property management and rent balances, and regional utility debts.
The agency is not BBB-accredited. The Better Business Bureau maintains a complaint profile tracking consumer disputes over the standard three-year reporting period. The majority of filed complaints center on unverified medical debts, billing errors, and high-pressure telephone tactics, according to BBB records.
In our practice, we review the original creditor agreement on every Accounts Service of Colorado file. Chain-of-title documentation is where purchased medical debt accounts most commonly break down, and a broken chain means the agency may lack legal standing to collect anything at all.
- Also Known As: Accounts Service of Colorado, Ltd.; ASCOL
- Address: 4905 N Union Blvd, Suite 100, Colorado Springs, CO 80918
- Phone: 719-593-9500 | (719) 593-9500 | +1-719-593-9500 | 7195939500
- Fax: (719) 593-9602
- BBB Profile: Accounts Service of Colorado BBB listing
Phone Numbers Accounts Service of Colorado Uses
Consumers searching a number to identify who is calling can use the formats below. The primary documented line for Accounts Service of Colorado is their Colorado Springs main number:
- 719-593-9500
- (719) 593-9500
- +1-719-593-9500
- 7195939500
Consumer complaint reports indicate this number appears in BBB and CFPB filings tied to collection calls about medical and utility debts. If the number appears on your caller ID without a voicemail disclosing the caller as a debt collector, that omission may be an FDCPA issue worth documenting.
Why Is Accounts Service of Colorado Calling You
Accounts Service of Colorado is calling you because a creditor, typically a medical provider, dental office, utility, or landlord, assigned or sold your account to them for collection. The agency collects on behalf of Colorado Springs-area healthcare providers and regional service businesses.
If the underlying debt is a medical bill, Colorado law matters significantly here. Colorado bans medical debt below a certain threshold from appearing on your credit report at all. If Accounts Service of Colorado placed a small medical balance on your credit report, that entry may violate state law regardless of whether the debt itself is valid.
Colorado also caps the statute of limitations: three years for open credit accounts and most medical debts, six years for formal written contracts. If your debt exceeds those timeframes, the agency cannot legally sue to collect it.
Has Accounts Service of Colorado Violated the FDCPA
Consumers have engaged consumer protection attorneys regarding FDCPA allegations against Accounts Service of Colorado, according to published consumer law resources. The documented complaint patterns include:
- Calling consumers repeatedly after receiving a request to stop, which may violate 15 U.S.C. § 1692c(c)
- Calling consumers at their place of employment, which may violate 15 U.S.C. § 1692c(a)(3) if the agency knew or had reason to know the employer prohibits such calls
- Failing to properly disclose that the caller is a debt collector during initial contact, which may violate 15 U.S.C. § 1692e(11)
When we open an Accounts Service of Colorado file, we request complete call logs for every number the agency used, because timestamp patterns and call frequency are often the most direct evidence of harassment claims.
Can the Accounts Service of Colorado Report to Your Credit
Yes, Accounts Service of Colorado can report unpaid accounts to the major credit bureaus, but that reporting must comply with the FCRA. Consumers have allegedly reported the agency placing collection entries before sending a written validation notice, according to BBB complaint records.
If Accounts Service of Colorado reported a debt before sending a validation letter, that sequence may violate both the FDCPA and the FCRA. The credit entry itself may be the basis of a federal claim. Colorado law adds another layer: medical debts below a state-set threshold cannot appear on Colorado consumers’ credit reports at all, regardless of collection status.
Is Accounts Service of Colorado a Scam
Accounts Service of Colorado is a real, licensed debt collection agency registered with the state of Colorado, but licensed does not mean every tactic is legal. The agency operates from a documented Colorado Springs address and holds an active corporate status, according to state records.
The documented conduct giving rise to legal claims is not identity fraud. It is the allegedly unlawful collection tactics themselves: calling workplaces, refusing to stop calling after written requests, and reporting debts to credit bureaus before delivering a validation notice. In our experience, consumers dealing with Accounts Service of Colorado frequently receive calls from the main (719) number without any voicemail identifying the caller as a debt collector — exactly the disclosure failure the FDCPA targets.
Is the Accounts Service of Colorado Banned by the FTC
No. Accounts Service of Colorado has not faced a formal FTC enforcement action based on available records. However, the absence of an FTC action does not mean the agency operates without legal exposure.
The FDCPA allows individual consumers to file private federal lawsuits directly against collectors who violate the statute. Consumers harmed by Accounts Service of Colorado’s alleged tactics have pursued those private claims through consumer protection attorneys, according to published legal resources. A successful FDCPA claim may result in up to $1,000 in statutory damages, plus attorney’s fees paid by the collector.
How The Wood Firm PLLC Helps Stop Accounts Service of Colorado Debt Harassment
When we open an Accounts Service of Colorado file, we examine three specific areas: the sequence of contact versus credit reporting to identify whether the agency reported before validating; call records and timestamps to document any pattern of harassment or after-hours contact; and chain-of-title documentation on the original debt to confirm the agency actually holds the right to collect.
Medical debt files from regional Colorado providers frequently show gaps in these records, because accounts change hands quickly and validation paperwork does not always follow. The firm handles these cases entirely on contingency — no upfront fees, and if the agency violated federal law, they pay our fees.
After you call, we review your situation, identify which federal statutes apply, and tell you clearly whether we see a viable claim. If we take your case, we handle every filing. The Wood Firm PLLC has never represented a creditor or collector — only consumers. To start that conversation, reach us at +1-844-638-1122.
If Accounts Service of Colorado is calling your workplace, reporting debts before sending a validation notice, or continuing to call after a written cease request, those patterns may support federal claims — visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency — if they violated federal law, they pay our fees.
Frequently Asked Questions
Does Accounts Service of Colorado have to send a validation notice
Yes, the FDCPA requires Accounts Service of Colorado to send a written validation notice within five days of first contact. The notice must include the amount owed, the creditor’s name, and your right to dispute the debt. No notice may mean a federal violation.
What happens if I tell Accounts Service of Colorado to stop calling
A written cease-and-desist request legally obligates the agency to stop calling. If calls continue after you send that request in writing, each subsequent call may constitute a standalone FDCPA violation. Keep a copy of anything you send and note the date.
Can Accounts Service of Colorado call me at work
The FDCPA prohibits calls to a consumer’s workplace if the agency knows or has reason to know the employer prohibits such calls. Tell the collector your employer does not permit collection calls, and document that you did so. Continued calls after that notice may be actionable.
Can Accounts Service of Colorado sue me for a medical debt
Yes, lawsuits are possible, but Colorado’s statute of limitations restricts the window. For most medical debts and open accounts, that window is three years from the date of default. A debt beyond that period cannot support a lawsuit, even if it still appears on a collection notice.
Can Accounts Service of Colorado put medical debt on my credit report
Colorado law restricts credit reporting of medical debt below a state-set threshold. If the balance is under that limit, the entry may violate state law regardless of whether the underlying debt is valid. An attorney can assess whether the specific entry qualifies.
What does it cost to hire The Wood Firm PLLC against Accounts Service of Colorado
Nothing upfront. The Wood Firm PLLC handles FDCPA and FCRA cases on contingency. If the agency violated federal law, the statute requires them to pay attorney’s fees — not you.
How do I dispute a debt with Accounts Service of Colorado
Send a written dispute within 30 days of receiving the validation notice. The agency must stop collection activity and verify the debt before proceeding. If you never received a validation notice, that gap itself may be a violation worth discussing with a consumer protection attorney.
Your Next Step If Accounts Service of Colorado Has Contacted You
Colorado consumers dealing with Accounts Service of Colorado have federal and state tools available to them. If the agency reported before validating, called your workplace, or kept calling after a written request to stop, those facts may already support a federal claim. The Wood Firm PLLC takes these cases on contingency — no upfront cost, and the collector covers fees if they broke the law. Call +1-844-638-1122 to find out where your situation stands.
Jeff Wood represents consumers exclusively — never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
