Action Collection Agency debt harassment may involve relentless calls, contacting your family members about your debts, or pressuring you to pay without proving you owe the debt. You do not have to face this alone. The Wood Law Firm exists to help consumers who face these potentially predatory tactics.
Through our expertise in consumer rights, we can help you end the harassing calls, often at no cost to you. In some cases, you may even be eligible for statutory damages up to $1,000. Contact us at +1 844-638-1122 for a free, confidential consultation.
Recognizing Action Collection Agency’s Problematic Tactics
Action Collection Agency debt collection calls may involve intimidating techniques to pressure payments. Collectors might call you repeatedly, use scare tactics, or attempt to mislead you into believing you owe more than you do. These aggressive tactics can damage your mental and emotional well-being, leading to unnecessary stress and anxiety.
You have the right to defend yourself against harassment. The Fair Debt Collection Practices Act (FDCPA) protects you from this behavior. This federal law prohibits debt collectors from using potentially abusive or deceptive methods.
What Collectors Cannot Do Under the FDCPA?
Debt collectors cannot:
- Harass you by repeatedly calling
- Use threatening language
- Misrepresent the amount you owe
- Call your family, friends, or colleagues about your debt
These protections are in place to help maintain your peace of mind. If you believe Action Collection Agency phone harassment is affecting your life, taking action with The Wood Law Firm is crucial.
How to Stop Action Collection Agency from Calling
Debt collectors, also known as collection agencies, specialize in recovering debts on behalf of creditors. Learning how to stop Action Collection Agency from calling starts with understanding your rights. The FDCPA regulates the behavior of debt collectors, potentially prohibiting them from engaging in abusive, harassing, or deceptive practices.
Debt collectors must respect consumer rights, including the right to dispute debts and request validation. By being informed about these protections, you can better navigate interactions with debt collectors. The Wood Law Firm can help you enforce your rights and stop harassment.
Identifying Potential Debt Collection Scams
Debt collection scams are increasingly common. Fraudsters often pose as legitimate agencies like Action Collection Agency to trick consumers into paying nonexistent debts.
Protecting Yourself from Scams
Be cautious with personal information. Avoid sharing personal or financial details over the phone with any debt collector. Scammers thrive on the information you voluntarily provide. If the collector insists on immediate payment or threatens legal action without offering proof, this should raise a red flag.
Ask the right questions. When you receive a call, always request:
- The collector’s name and the agency they represent
- The agency’s business address
- The name of the original creditor and the amount owed
These questions will help you determine whether the call is legitimate. If the collector becomes defensive or refuses to give details, you may be dealing with a scam. The Wood Law Firm can help you verify whether communications are legitimate.
Who Is Action Collection Agency?
Action Collection Agency is a third-party debt collection company based in Middleboro, Massachusetts. Established over 25 years ago, it handles debt collections for various industries. While it is not a scam, its practices may potentially harass consumers. Many have reported repeated calls and aggressive tactics that may infringe on their rights under the FDCPA.
Address: 16 Commerce Blvd, Middleboro, MA 02346-1085 Phone: (508) 923-0310
Although this company is a real business with a presence on the Better Business Bureau (BBB) website, some consumers feel their practices may border on harassment. If you’re dealing with what you believe may be harassment, contact The Wood Law Firm at +1 844-638-1122.
Known Phone Numbers for Action Collection Agency
Knowing if you’re dealing with a known company phone number can help you identify Action Collection Agency debt collection calls. Numbers associated with this company include:
- (615) 942-6380
- (615) 673-8801
- (615) 352-8257
- (800) 478-7421
- (508) 923-0310
If any of these numbers keep appearing on your caller ID, there’s a strong chance Action Collection Agency collectors are contacting you. If the calls feel constant or harassing, you may have grounds for legal action with The Wood Law Firm.
Legal Cases Against Action Collection Agency
These court cases illustrate Action Collection Agency harassment complaints that consumers have brought forward:
- Case 2:94-cv-06785-LEW-B: Evan L. Murri, et al. v. Action Collection et al.
- Case 1:90-cv-11557-EFH: Chapman v. Action Collection
- Case 1:15-cv-14130-PBS: Witherell v. ACA of Boston
- Case 3:17-cv-01598: Reed v. ACA, Inc.
- Case 3:97-cv-00525: White v. Action Collection, et al.
These cases demonstrate that consumers have successfully challenged Action Collection Agency’s practices in court. The Wood Law Firm has experience with similar cases and can evaluate whether you have grounds for legal action.
Your Consumer Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers against aggressive debt collectors. If you believe Action Collection Agency is violating FDCPA regulations, knowing your rights is crucial:
- Protection from Harassment: The FDCPA potentially prohibits harassment, including excessive calls or intimidation tactics
- Right to Accurate Information: The law requires debt collectors to provide clear and accurate information about the debt
- Control Over Communication: You can set boundaries around when and how collectors can contact you
If you’re uncertain whether violations apply to your case, contact The Wood Law Firm at +1 844-638-1122 for a comprehensive review.
Steps to Take Against Action Collection Agency Harassment
If you believe collectors are harassing you or potentially violating your rights, there are specific steps you can take:
- Document everything: Record each interaction with the debt collector, including dates, times, and conversation details
- Request debt validation: Ask for written proof that the debt is legitimate
- File a complaint: Report violations to the FTC
- Contact The Wood Law Firm: Legal assistance can make a significant difference if you’re facing persistent harassment
Cease and Desist Letter to Action Collection Agency
Sending a cease and desist letter to Action Collection Agency is one of your most powerful tools under the FDCPA. Once a debt collector receives a written request to stop communication, they are legally obligated to cease contact, except to inform you of pending legal actions.
Your letter should include:
- Clear statement requesting that all communication cease
- Your account information
- Date and your signature
- Send via certified mail for proof of delivery
The Wood Law Firm can help you draft an effective cease and desist letter.
Sue Action Collection Agency for Harassment
If you believe violations have occurred, you may be able to sue Action Collection Agency for harassment. The FDCPA allows consumers to seek:
- Statutory damages up to $1,000
- Actual damages for emotional distress
- Attorney fees and court costs
The Wood Law Firm handles these cases on a contingency basis, meaning you pay nothing unless we win. Call +1 844-638-1122 for a free case evaluation.
Negotiating with Debt Collectors
Negotiating with debt collectors can be challenging, but it may be necessary to resolve debt disputes effectively:
- Verify the debt: Ensure it is legitimate and accurate
- Dispute if necessary: Challenge incorrect or invalid debts
- Request validation: Ask for proof of the debt
- Negotiate settlement: Work toward a payment plan that fits your financial situation
The Wood Law Firm can negotiate on your behalf and ensure your rights are protected throughout the process.
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), Telephone Consumer Protection Act (TCPA), and Fair Credit Reporting Act (FCRA). Since 2010, we’ve fought for individuals facing harassment from debt collectors, helping them resist potentially illegal practices.
Choosing The Wood Law Firm means partnering with a team that is deeply committed to your cause. We understand the stress and frustration that come with facing unfair consumer practices, and we are here to 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.
We offer free case consultations, with no upfront fees (we only get paid if we win), up to $1,000 in potential statutory damages, and comprehensive legal guidance throughout the entire process. We’ve earned an A+ rating with the Better Business Bureau.
Additionally, 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.
Meet Attorney Jeff Wood
Jeff Wood is an accomplished attorney based in Arkansas, where he is fully licensed to practice law. With over 15 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 experience makes him a powerful advocate for individuals facing debt collection harassment from companies like Action Collection Agency.
Success Stories: Real Results Against Debt Collectors
Case 1: A retail manager received over 18 calls per day from Action Collection Agency at her workplace, despite informing them repeatedly that her employer prohibited personal calls. After documenting three weeks of violations, she contacted The Wood Law Firm. We filed an FDCPA complaint and secured $1,000 in statutory damages plus additional compensation for workplace harassment and emotional distress.
Case 2: Action Collection Agency contacted a client’s father and disclosed detailed debt information about a disputed medical bill, causing significant family conflict. The Wood Law Firm documented these third-party contact violations and filed suit. The case settled for statutory damages, attorney fees, and complete removal of the debt from his credit report.
Final Thoughts
If Action Collection Agency or any other debt collector is harassing you, don’t suffer in silence. You have legal rights to protect yourself from potentially abusive and deceptive practices. The Wood Law Firm is here to help you navigate the complexities of debt collection laws and put an end to harassment. Whether you’re dealing with threats, excessive calls, or potentially unfair tactics, we can help you regain control over your financial life. For a free consultation, contact us today at +1 844-638-1122.
Frequently Asked Questions About Action Collection Agency
1. How can I stop Action Collection Agency debt harassment immediately?
Send a written cease and desist letter via certified mail. If harassment continues, contact The Wood Law Firm at +1 844-638-1122 for legal assistance.
2. What should I know about Action Collection Agency debt collection calls?
Action Collection Agency may call from (615) 942-6380, (615) 673-8801, and (800) 478-7421. They cannot call before 8 a.m. or after 9 p.m., and must respect workplace restrictions.
3. What constitutes Action Collection Agency phone harassment?
Harassment may include multiple daily calls, calls outside permitted hours, abusive language, threats of illegal actions, or discussing your debt with unauthorized third parties.
4. How do I stop Action Collection Agency from calling me?
Send a cease and desist letter, request debt validation in writing, document all contact, and block their numbers. The Wood Law Firm can help with effective legal correspondence.
5. Can I sue Action Collection Agency for harassment?
Yes, if they violated the FDCPA. You could recover up to $1,000 in statutory damages plus attorney fees. Call +1 844-638-1122 for evaluation.
6. What are the signs of Action Collection Agency violating FDCPA?
Violations may include calling outside permitted hours, using abusive language, making false threats, contacting third parties about your debt, or failing to validate debts.
7. How do I write a cease and desist letter to Action Collection Agency?
Include a clear request to stop all communications, your account information, date and signature, and send via certified mail. The Wood Law Firm can help you draft this.
8. Can Action Collection Agency contact my family members?
They can only contact family to locate you, not discuss your debt. Document any debt discussions with family as potential FDCPA violations.
9. What evidence do I need to prove harassment?
Document call times, phone numbers, conversation content, threats made, and how harassment affected you. Keep logs and save voicemails as evidence.
10. How can I verify if Action Collection Agency owns my debt?
Request debt validation in writing within 30 days. They must provide proof, including the original creditor’s name, amount owed, and their right to collect.
For immediate assistance with Action Collection Agency harassment, contact The Wood Law Firm at +1 844-638-1122.
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