The phone rings. Again. It’s Xact Receivables Management calling for what feels like the hundredth time this week. They’ve left threatening voicemails, contacted your workplace, and somehow tracked down your relatives. You’re exhausted, anxious, and wondering if there’s any way to make it stop. Here’s the truth: federal law gives you powerful rights to fight back, and violations can cost collectors thousands of dollars that go straight to you.
Call The Wood Law LLC at +1 844-638-1122 for immediate help. Their consumer protection attorneys specialize in stopping harassment and recovering compensation for violations.
Understanding Xact Receivables Management Debt Collection
Xact Receivables Management isn’t the company you originally owed money to. They’re a third-party debt collector, which means they either bought your debt for pennies on the dollar or got hired to collect what the original creditor couldn’t recover. This distinction matters because it determines what laws apply and what rights you have.
When Xact Receivables Management debt collection appears in your life, your account has typically been through multiple collection attempts. Documentation is often incomplete by this point, amounts may be inflated with questionable fees, and sometimes the debt doesn’t even belong to you.
Why their tactics feel so aggressive:
They purchase debt portfolios at massive discounts, sometimes paying just 3 to 8 cents per dollar of debt. If they paid $500 for a $10,000 debt, collecting even $3,000 means huge profits. This creates financial pressure to collect quickly and aggressively, which sometimes leads to tactics that may violate federal law.
Common debts they pursue:
- Medical bills from hospitals and healthcare providers
- Credit card balances sold by banks
- Utility and telecommunications accounts
- Retail store credit debts
- Personal loans and service contracts
Many consumers report that account information is riddled with errors by the time Xact Receivables Management contacts them. These aren’t just annoying mistakes. They’re potential violations that strengthen your case if you’re harassed by Xact Receivables Management.
When Collection Becomes Illegal Harassment
Federal law establishes clear boundaries that debt collectors must respect. Crossing these lines can cost them serious money.
Timing Violations
Calls before 8 AM or after 9 PM in your local time zone violate the Fair Debt Collection Practices Act. Period. No valid exceptions exist. If Xact Receivables Management phone harassment wakes you up at 7:45 AM or disrupts your evening at 9:15 PM, document it. These timing violations are easy to prove with phone records.
Excessive Call Volume
Receiving 10, 15, or 20 calls daily? Courts consistently find that excessive calling with apparent intent to annoy violates federal law. When they call from multiple numbers to bypass your blocking, or call immediately after you hang up, these patterns demonstrate intentional harassment rather than legitimate collection.
Workplace Contact After Objection
They can call your workplace once to locate you. But once you tell them your employer prohibits personal calls or it’s inconvenient, they must stop immediately. Continuing after objection is a violation appearing in many Xact Receivables Management debt collector complaints.
Illegal Threats
Xact Receivables Management cannot legally:
Threaten arrest. Consumer debt is civil, not criminal. Threatening arrest is a clear FDCPA violation.
Claim immediate wage garnishment. Garnishment requires a lawsuit, judgment, and court order first. Threatening it without proper legal process is illegal.
Threaten property seizure. Seizing property requires extensive legal proceedings. Empty threats designed to scare you into paying violate federal law.
Falsely claim to be attorneys or law enforcement. Misrepresenting their identity or authority is specifically prohibited.
Privacy Breaches
With very narrow exceptions, they cannot discuss your debt with family members, neighbors, coworkers, or anyone except you, your attorney, or credit bureaus. Leaving detailed voicemails where others might hear, telling relatives about your debt, or sending mail that reveals collection information on the outside all potentially violate your privacy rights.
Ignoring Cease Letters
Once you send a written cease and desist via certified mail, they can only contact you to confirm receipt or notify you of specific legal action. Any other contact becomes an automatic violation.
Federal Laws That Protect You
Three major federal statutes give you legal weapons against abusive collectors.
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act is your primary protection against debt collector abuse. This federal law applies specifically to third-party collectors like Xact Receivables Management.
If they violate the FDCPA, you may recover:
- Up to $1,000 in statutory damages without proving actual harm
- Additional compensation for emotional distress, lost wages, medical expenses
- Attorney fees and court costs paid by the collector, not you
This fee-shifting provision is powerful. Because they pay your attorney fees when you win, you can afford experienced representation without worrying about legal bills.
Telephone Consumer Protection Act
The Telephone Consumer Protection Act regulates automated calling systems. If Xact Receivables Management uses autodialers to hit your cell phone without your written consent, they may violate federal law.
Each illegal robocall can result in $500 to $1,500 in damages. If you’ve received 60 automated calls, that’s potentially $30,000 to $90,000 in recovery.
Fair Credit Reporting Act
The Fair Credit Reporting Act ensures credit reporting accuracy. When they report false information to credit bureaus, wrong amounts, debts that aren’t yours, or incorrect account status, they may violate this law.
Credit damage affects loan rates, rental applications, insurance premiums, and job opportunities. The FCRA provides legal recourse when inaccurate reporting causes real consequences.
How to Stop Xact Receivables Management Debt Collection Calls
Ready to fight back? Here’s your action plan for how to stop Xact Receivables Management debt collection calls.
Step 1: Document Everything
Evidence is crucial if you decide to stop debt harassment from Xact Receivables Management through legal action.
Track these details:
- Exact date and time of every call
- Phone numbers they use (they may use multiple)
- Call duration
- Representative names if provided
- What was said, especially threats or false statements
- Your emotional state after each call
Save everything:
- Voicemails (back up to email or cloud storage)
- Text messages (screenshot with timestamps visible)
- Letters and envelopes (postmarks prove timing violations)
- Documentation of third-party contacts
This evidence becomes invaluable in legal proceedings.
Step 2: Demand Debt Validation
You can force them to prove you owe the debt. Send a validation letter via certified mail demanding:
- Original creditor’s name and address
- Original account number
- Original and current debt amounts
- Itemized breakdown of all fees
- Proof you’re responsible
- Copy of original signed agreement
- Proof they own or can collect this debt
- Verification it’s within your state’s statute of limitations
Federal law requires them to stop collection until providing proper validation. Many collectors can’t produce complete documentation, especially for older debts.
Step 3: Send a Cease and Desist Letter
The FDCPA gives you the right to make them stop all contact.
Your letter should state:
“Under 15 U.S.C. § 1692c(c), I direct Xact Receivables Management to cease all communication regarding account [number]. This includes phone calls, texts, emails, and letters. Future communication must be limited to: (1) confirming receipt; or (2) notifying me of specific legal action.”
Send via certified mail with return receipt. Keep copies of everything. After receipt, any other contact may be an automatic violation.
Step 4: File Official Complaints
Create an official paper trail by filing a complaint against Xact Receivables Management with multiple agencies.
Report Xact Receivables Management to CFPB at www.consumerfinance.gov/complaint. Include specific dates, times, names, and how harassment affected your life.
Also file with:
- Federal Trade Commission at reportfraud.ftc.gov
- Your state Attorney General’s consumer protection division
- Better Business Bureau
These complaints create official records but typically don’t result in direct compensation. For that, you need legal action.
Step 5: Get Professional Legal Help
This is the most effective step to stop Xact Receivables Management debt collection harassment. Consumer protection attorneys specializing in these cases know exactly how to handle collectors.
The Wood Law LLC focuses exclusively on consumer rights cases. Their specialization provides deep expertise in FDCPA, TCPA, and FCRA laws.
When you’re represented:
Harassment typically stops within 48 to 72 hours. Once they receive an attorney letter, they know they’re being monitored. Most significantly reduce or eliminate contact.
Attorneys identify violations you’d miss. What seems like aggressive collection might be multiple federal violations to an experienced attorney.
You never speak to them again. Your attorney handles everything while you resume normal life.
Zero upfront costs. They work on contingency, you pay nothing unless you win. When you win, they typically pay your attorney fees separately.
Discover their proven approach and what makes them different.
Call The Wood Law LLC at +1 844-638-1122 for a free consultation.
Can You Sue Xact Receivables Management for Harassment?
Yes. If Xact Receivables Management potentially violated federal law, you can sue Xact Receivables Management for harassment and recover compensation.
Important: You can sue even if you owe the debt. Your right to lawful treatment exists independently of debt validity.
Potential Compensation
FDCPA Statutory Damages: Up to $1,000 per case without proving harm.
Actual Damages:
- Emotional distress and anxiety
- Lost wages if harassment affected work
- Medical expenses for stress treatment
- Therapy costs
- Other quantifiable harm
TCPA Damages: $500 to $1,500 per illegal robocall. Some consumers recover $50,000+ for persistent robocalling.
FCRA Damages if they reported false information:
- Actual damages for credit harm
- Denied loans or rentals
- Higher interest rates
- Lost opportunities
- Statutory damages of $100 to $1,000 for willful violations
- Punitive damages for egregious conduct
Attorney Fees: Paid separately by them. You keep your full compensation.
What You Need to Prove
- They contacted you to collect a debt
- They’re subject to the FDCPA (they are)
- They violated specific provisions
- You suffered harm (not required for FDCPA statutory damages)
Strong evidence includes phone records, voicemails, letters, witness statements, credit reports, and medical records. Experienced attorneys know what evidence wins cases.
Common Violations in Xact Receivables Management Debt Collector Complaints
Understanding typical patterns helps you recognize violations.
Daily Call Bombardment
Many consumers report 10, 15, even 20 calls daily. This excessive volume may demonstrate intent to harass rather than legitimate collection.
Time Zone Violations
Complaints frequently mention calls at 7:30 AM or 9:30 PM. Any calls outside 8 AM to 9 PM may violate federal law.
Workplace Harassment
Complaints describe repeated workplace calls despite objections. Continuing after you’ve objected may constitute intentional harassment.
Illegal Threats
Common potentially unlawful threats include arrest warnings, immediate wage garnishment claims, property seizure threats, and false claims of being attorneys.
Privacy Breaches
Many complaints involve discussing debts with family, leaving detailed work voicemails, sending revealing mail, or telling employers about debts.
Deceptive Statements
Complaints mention inflated amounts, false lawsuit claims, misrepresenting consequences, and failing to identify as debt collectors.
Ignoring Legal Demands
Consumers report continued calling after sending cease and desist letters. This is often easy to prove with certified mail receipts and phone records.
Protecting Your Financial Health
While fighting harassment, protect your broader financial wellbeing.
Monitor Credit Reports
Get free reports at AnnualCreditReport.com from all three bureaus.
Check for Xact Receivables Management accounts, duplicate listings, incorrect amounts or dates, debts that aren’t yours, and information over seven years old.
Dispute Errors
Find inaccuracies? Dispute in writing with bureaus and Xact Receivables Management. Send via certified mail. Bureaus must investigate within 30 days.
Know Statute of Limitations
Every state has time limits for lawsuits (typically 3 to 6 years). After expiration, they can’t sue legally, though they may still call.
Warning: Small payments may restart the clock in many states. Never pay old debts without attorney consultation.
Protect Bank Accounts
Never give them account numbers, routing numbers, or debit card information. They might take unauthorized withdrawals or withdraw more than agreed.
Use money orders or one-time card payments you control.
Get Written Agreements
Never trust verbal promises. Demand written confirmation of payment terms, settlement agreements, credit reporting updates, and zero balance confirmation.
Other Collectors The Wood Law LLC Handles
The Wood Law LLC represents consumers facing harassment from many collectors:
- Concentrix
- Allied International Credit
- Collection Company of America
- BCA Financial Services
- South Bay Collections
- National Recovery Agency
- The Bureaus Inc
- Strategic Recovery Solutions
- iQor
- Performant Financial
View their complete agency list and explore practice areas.
Frequently Asked Questions
Is Xact Receivables Management a legitimate debt collector?
Yes, Xact Receivables Management is a legitimate third-party debt collection agency. However, being legitimate doesn’t prevent potential violations of federal consumer protection laws. If you believe they’re harassing you, you have legal rights regardless of their legitimacy or whether you owe the debt.
How can I verify Xact Receivables Management actually owns my debt?
Send a debt validation letter via certified mail demanding complete proof: original creditor information, original account number, proof they own or can collect the debt, and an itemized breakdown of all amounts. Federal law requires them to stop collection until they provide proper validation. Many collectors can’t produce adequate documentation.
What should I do if Xact Receivables Management calls me at work?
Tell them immediately that your employer doesn’t allow personal calls or that receiving calls at work is inconvenient. Document this conversation with date, time, and representative name. They must stop workplace contact after your objection. If they continue calling, that’s a potential FDCPA violation you should document and report to an attorney.
Can Xact Receivables Management sue me for an old debt?
Only if the debt is within your state’s statute of limitations, typically 3 to 6 years for consumer debts. For time-barred debts, they cannot legally sue you, and threatening to do so may violate the FDCPA. Be careful: making even a small payment can restart the statute of limitations in many states. Consult an attorney before paying anything on old debts.
What if they threaten to have me arrested for not paying?
Document the threat immediately with exact date, time, representative name, and exact words used. Then contact an attorney right away. Consumer debt is a civil matter, not criminal. No debt collector can have you arrested for owing money. This threat clearly violates the FDCPA. Call +1 844-638-1122 for immediate legal help.
Can I sue them even if I actually owe the money?
Absolutely. Your right to be free from harassment, threats, and deceptive practices exists completely independently of whether you owe the debt. The FDCPA protects all consumers. If Xact Receivables Management violated federal law in their collection attempts, you can pursue legal action regardless of the debt’s validity.
Will filing a CFPB complaint stop the harassment?
Filing with the CFPB creates an official record they must respond to, but complaints alone typically don’t immediately stop contact or result in compensation. They’re valuable for creating paper trails and helping regulators identify patterns. The most effective approach combines cease and desist letters, debt validation requests, official complaints, and experienced legal representation.
Do I have to pay attorney fees upfront to take legal action?
No. The Wood Law LLC works on contingency for consumer protection cases. You pay absolutely nothing upfront, no retainer, no hourly fees, no costs you must advance. You only pay if they successfully recover compensation for you. When you win FDCPA cases, the law typically requires the collector to pay your attorney fees separately from your damages.
How long do I have to file a lawsuit against them?
The statute of limitations for FDCPA violations is typically one year from the violation date. For TCPA claims (illegal robocalls), you usually have four years. For FCRA violations (false credit reporting), it’s generally two to five years depending on the violation type. This is why quick action matters. The longer you wait, the more you risk losing your right to sue.
What’s the difference between reporting them and suing them?
Reporting to agencies like the CFPB, FTC, or your state Attorney General creates official records and may lead to regulatory enforcement, but these complaints typically don’t result in direct compensation to you. Suing through an attorney can result in statutory damages, actual damages, and attorney fees paid to you. Many consumers do both: file complaints to create records and hire an attorney to pursue compensation.
Get Legal Help Against Xact Receivables Management Harassment
Stop letting Xact Receivables Management debt collection harassment control your life. The Wood Law LLC has helped countless consumers end harassment and recover compensation for violations.
Why their approach works:
Immediate action stops harassment fast. They begin building your case as soon as you call. Most clients see harassment drop dramatically within 72 hours.
A comprehensive strategy maximizes recovery. They identify every violation and pursue all available claims. Their attorneys spot violations you’d never recognize.
No financial risk. Zero upfront costs. Contingency structure means you only pay if they win. The collector typically pays attorney fees separately.
Proven results. Their exclusive focus on consumer protection means they know exactly how collectors operate and how to hold them accountable.
Your next steps:
- Document everything from Xact Receivables Management
- Send validation and cease letters via certified mail
- File a complaint against Xact Receivables Management with CFPB and FTC
- Call The Wood Law LLC at +1 844-638-1122 for a free consultation
Federal law protects you. Experienced attorneys enforce those laws. Don’t wait while they continue potentially violating your rights.
Get Your Free Case Evaluation: +1 844-638-1122
Stop Xact Receivables Management debt collection calls today. Your peace of mind is one call away.
