Accounts Service of Colorado, Ltd. is contacting you because a creditor assigned or sold your account for collection. This Colorado Springs agency has operated since 1945, collecting on medical, utility, and other consumer debts. According to BBB records, the agency holds an A+ rating but carries no BBB accreditation. Consumers have allegedly reported aggressive call patterns and disputed account entries. Call +1-844-638-1122 for a free case review.
Key Takeaways
- Accounts Service of Colorado, Ltd. is located at 1155 Kelly Johnson Blvd, Suite 111, Colorado Springs, CO 80920. It has operated since January 1, 1945 and incorporated on August 31, 1981.
- The agency holds an A+ BBB rating but is not BBB-accredited. Consumers have allegedly reported aggressive collection tactics including repeated calls and disputed credit entries.
- Most common complaint pattern: consumers report calls about debts they do not recognize, according to consumer complaint sources.
- The FDCPA requires a written validation notice within 5 days of first contact. It prohibits harassment, false statements, and unfair practices.
- If the agency violated the FDCPA, you may recover up to $1,000 in statutory damages. TCPA violations may add $500–$1,500 per call.
- The Wood Firm PLLC handles these cases on contingency: no upfront fees. If the collector violated federal law, they pay.
Free Case Review: +1-844-638-1122
Who Is Accounts Service of Colorado
Accounts Service of Colorado, Ltd. is a Colorado-based third-party debt collection agency. It collects on medical bills, utility accounts, and other consumer debts on behalf of original creditors.
The agency has operated since January 1, 1945 and incorporated on August 31, 1981. Richard Mills serves as President and Kim Gauger serves as customer contact. The BBB of Southern Colorado monitors the agency. It holds an A+ BBB rating but carries no BBB accreditation.
In our practice, we request chain-of-title documentation on every Accounts Service of Colorado file at the outset. Accounts collected by long-operating agencies often pass through multiple creditors. A broken chain may mean the collector lacks legal standing to collect.
- Address: 1155 Kelly Johnson Blvd, Suite 111, Colorado Springs, CO 80920
- Phone: (719) 634-7707 | 719-634-7707 | +1-719-634-7707 | 7196347707
- Key Leadership: Richard Mills (President), Kim Gauger (Customer Contact)
- BBB Profile: Accounts Service of Colorado Ltd BBB listing
- BBB Rating: A+ (not accredited)
- In Business Since: January 1, 1945
Phone Numbers Accounts Service of Colorado Uses
Accounts Service of Colorado contacts consumers from its primary Colorado Springs line. People search phone numbers to identify who called them. The formats below cover how this number appears on caller ID and in complaints.
Primary reported number:
- 719-634-7707
- (719) 634-7707
- +1-719-634-7707
- +1 719 634-7707
- 7196347707
Consumer complaint databases, including the Agress Law Firm complaint tracker, document this number in connection with Accounts Service of Colorado collection calls. If this number appears on your caller ID, the agency is attempting to collect a consumer debt.
Also read: Fair Debt Collection Practices Act overview
Why Is Accounts Service of Colorado Calling You
Accounts Service of Colorado is calling you because a creditor assigned or sold your account to them for collection. The original creditor transferred the debt after internal collection efforts did not resolve the balance. That creditor may be a medical provider, utility company, or another business.
In some cases, the account may have changed hands more than once before reaching Accounts Service of Colorado. The FDCPA gives you the right to request written validation within 30 days of first contact. Once you send that request in writing, collection efforts must stop until the agency provides verification.
Also read: Account Services phone harassment | Zenco Collects debt collection harassment
Is Accounts Service of Colorado a Scam
Accounts Service of Colorado is a real, licensed debt collection agency, but licensed does not mean every tactic is legal. The agency has operated since 1945. It holds an A+ BBB rating, according to the BBB of Southern Colorado.
Consumers have allegedly reported aggressive call patterns and disputed account entries in connection with Accounts Service of Colorado. If a collector contacted you about a debt you do not recognize, take note. Calls that continued after a written validation request may support FDCPA claims regardless of licensing status.
In our practice, we pull the original creditor agreement on every Accounts Service of Colorado file. Disputes often trace to accounts sold without proper documentation of the original terms.
Is Accounts Service of Colorado Banned by the FTC
No. Accounts Service of Colorado has not been banned by the FTC. No public record documents an FTC enforcement action against this agency.
The agency does operate under federal oversight. The Consumer Financial Protection Bureau maintains a public complaint database where consumers can file and track grievances. Colorado consumers also have the Colorado Fair Debt Collection Practices Act, which supplements federal FDCPA protections.
Also read: Chase Receivables debt collection harassment | Professional Accounts Services debt collection harassment
Has Accounts Service of Colorado Been Sued
No centralized, definitive list of all lawsuits involving Accounts Service of Colorado exists in public records. These agencies face numerous local civil claims that never reach national databases.
Multiple channels document FDCPA complaints against this agency:
- Agress Law Firm: Accounts Service of Colorado complaints. This page documents consumer allegations of harassment and FDCPA violations in connection with this agency.
- Agress Law Firm: 719-634-7707 complaint tracker. This page tracks calls from this number and consumer reports about collection conduct.
- PACER: the federal judiciary database for FDCPA lawsuits filed against this agency in federal court.
- BBB complaint profile: formal consumer grievances filed with the Better Business Bureau of Southern Colorado.
When we evaluate an Accounts Service of Colorado file, we examine call log timestamps and all written correspondence. Both are among the most documentable FDCPA violations in collection cases.
Also read: Account Resolution Group phone harassment | Capital Accounts debt collection harassment
Can 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. The Fair Credit Reporting Act requires accurate, timely, and verifiable information. A collector cannot report a disputed debt before providing proper validation. It cannot report an account with a false creditor name or incorrect balance.
Reporting a debt before sending a validation notice may support FDCPA and FCRA claims. The same applies if the credit entry contains inaccurate information. The credit entry itself may be the basis of a federal claim.
Also read: Can a collection agency threaten to place a lien on my property
Can Accounts Service of Colorado Sue You
Yes, Accounts Service of Colorado can file a civil lawsuit to collect a debt. Colorado’s statute of limitations for consumer debts runs 3 to 6 years, per SoloSuit’s Colorado debt guide. If the debt is older than the limitations period, the collector may lack legal standing to sue.
If you receive a court summons from Accounts Service of Colorado, do not ignore it. Failing to respond results in a default judgment, which gives the collector additional tools including wage garnishment. Request proof of the original debt and the creditor agreement before responding to any lawsuit.
Also read: Can a debt collection agency sue me | Admin Recovery LLC debt collection harassment
How The Wood Firm PLLC Helps Stop Accounts Service of Colorado Debt Harassment
When we open an Accounts Service of Colorado file, we start with the call logs and the chain-of-title records. Call logs reveal whether the agency called outside permissible hours or failed to identify itself. Chain-of-title records show whether the agency can actually prove it owns the debt. Either gap can support a federal FDCPA claim. The Wood Firm PLLC represents consumers only: we have never represented a creditor or collector.
Our firm handles these cases on contingency. You pay nothing upfront. If Accounts Service of Colorado violated the FDCPA or FCRA, the collector pays our fees under the statute. After you call, we review your documents, identify any violations, and explain your options before anything else happens. Reach us directly at +1-844-638-1122.
If Accounts Service of Colorado has been calling repeatedly or reported a debt you don’t recognize, visit our contact page 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
Is Accounts Service of Colorado a legitimate company
Yes, Accounts Service of Colorado is a legitimate debt collection agency operating since 1945. The agency holds an A+ BBB rating through the BBB of Southern Colorado. Legitimate does not mean every collection tactic is lawful. Consumers retain full FDCPA rights regardless.
Can Accounts Service of Colorado call me before 8 a.m. or after 9 p.m.
No, the FDCPA prohibits calls outside 8 a.m. to 9 p.m. in the consumer’s local time zone. Document the date, time, and content of any call outside those hours. That record may support a standalone FDCPA violation.
How do I dispute a debt with Accounts Service of Colorado
Send a written dispute within 30 days of receiving the first validation notice. The collector must then stop activity until it verifies the debt. Keep a copy and send it via certified mail.
Can Accounts Service of Colorado garnish my wages
No, not without a court judgment. The agency must file a lawsuit, win, and obtain a court order before garnishing wages. If you receive a court summons, respond. Ignoring it results in a default judgment.
What do I do if Accounts Service of Colorado uses abusive language
Document the interaction immediately: note the date, time, and exact language. The FDCPA explicitly prohibits abusive or threatening language during collection calls. That documentation may form the basis of a federal claim.
Can Accounts Service of Colorado contact my employer or family
No. The FDCPA bars disclosing the debt to anyone other than your spouse or attorney. Third-party contact is permitted only to locate you. Contact with your employer or family members about the debt may violate federal law.
What happens if I ignore Accounts Service of Colorado
Ignoring a collector does not make the debt go away. The agency may escalate to a lawsuit, and a default judgment opens additional collection tools including wage garnishment. If you dispute the debt or believe the tactics are unlawful, respond in writing.
Your Next Step If Accounts Service of Colorado Has Contacted You
If Accounts Service of Colorado called outside permissible hours, those facts may support a federal claim. If the agency reported a debt before sending a validation notice, that sequence may also qualify. The Wood Firm PLLC reviews these files at no cost. We collect nothing unless the collector violated the law. Call +1-844-638-1122 to start that review today.
Jeff Wood represents consumers exclusively. He never represents 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.
