Are you facing True Accord debt collection harassment? Suppose you constantly answer the phone only to hear from this debt collector. In that case, you might be experiencing True Accord Corp phone harassment. It’s essential to recognize the signs of harassment, especially if they threaten legal actions or wage garnishments, or attempt to collect debt that is not actually owed.
Understanding Your Rights Against True Accord Debt Collection Harassment Under Fair Debt Collection Practices
You deserve peace of mind. If True Accord Corp calls you at all hours or multiple times daily, or if they disclose your debt situation to your family or neighbors, what they do is illegal. You have the right to demand that these harassing calls stop immediately. Under federal laws such as the Fair Debt Collection Practices Act (FDCPA), if a collection agency violates your rights, you may claim up to $1,000.00 in statutory damages and have your attorney fees covered.
Why Is This Important?
Understanding your rights is critical for several reasons. First, it empowers you to take action against unlawful practices. Second, it helps protect your mental health from the stress that comes with constant harassment. It would help if you never had to feel intimidated or threatened by a collection agency. Recognizing your legal protections can help you regain control of your life.
Is True Accord Corp a Debt Collection Agency Scam?
You might wonder about the legitimacy of True Accord Corp. A credit reporting agency plays a crucial role in debt collection practices, and mistakes on your credit report can significantly impact your ability to secure loans, obtain insurance, or even find housing or employment. According to the Better Business Bureau (BBB), this company has been operational for five years and has faced 24 complaints. If you’ve had negative experiences, you’re not alone. Complaints against them range from unfair collection tactics to lack of communication regarding debts.
The Reality of Collection Agencies
While many collection agencies operate legally, some may use questionable tactics to recover debts. Debt collection agencies can take potential legal actions against debtors, including lawsuits and wage garnishment after a default judgment. Understanding the difference between a legitimate collector and a scam can save you a lot of stress. If you suspect a collector is operating outside the law, you must gather evidence of their practices.
Who is True Accord Corp?
True Accord Corp is a South San Francisco, California, third-party debt collector. True Accord’s mission is to revolutionize the debt collection industry with innovative approaches and technology aimed at transforming debt collecting into a more consumer-friendly recovery and reconciliation process. It has a history of being involved in federal cases concerning the issuance of credit and the collection of debts linked to credit cards. Recent legal claims allege that True Accord Corp encouraged consumers to agree to payment plans that resulted in overpayments compared to the original debt owed.
Address:
303 2nd St Ste 750
San Francisco, CA 94107-136
Phone: (866) 611-2731
Their Business Model
True Accord Corp employs a business model that often revolves around digital communications, including emails and phone calls. By offering payment plans, they aim to make debt repayment more accessible for consumers. However, while their intentions may seem reasonable, their methods sometimes cross legal boundaries.
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Who does TrueAccord collect for?
TrueAccord collects debts on behalf of a diverse range of creditors, including major credit card companies, banks, and other financial institutions. They also work with tribal lenders, which often charge exorbitant interest rates. This can be particularly concerning for consumers, as tribal loans can lead to significant financial strain. TrueAccord has been known to collect debts from approximately 29,000 consumers who defaulted on loans issued by these tribal lenders. Understanding who TrueAccord collects debts for can help you better navigate your interactions with them and ensure you are aware of your rights.
The Tactics Used by True Accord Corp
True Accord Corp employs any of the following tactics, you could have grounds for a legal case:
Using abusive language or profanity: Debt collectors should maintain professionalism. Using profanity or abusive language is not just unprofessional; it is illegal.
Calling you outside permissible hours: Under the FDCPA, collectors can only call between 8:00 a.m. and 9:00 p.m. local time. If you receive calls outside these hours, it may constitute harassment.
Making multiple calls each week: While collectors can contact you numerous times, excessive calls can indicate harassment, mainly if they occur within a short time frame.
Discussing your debt with others: Debt collectors are not permitted to discuss your financial situation with anyone other than you or your legal representative. They violate your privacy rights if they talk to family, friends, or coworkers about your debt.
Contacting your workplace: Calling your employer to discuss your debt is a significant breach of privacy. Collectors should not harass you at work.
Threatening you: Whether it’s threats of legal action, harm, or damage to your credit score, such tactics are illegal, and you should report them immediately.
Accusing you of committing a crime: Debt is civil, not criminal. If a collector claims you’ve committed a crime, that’s a red flag indicating illegal behavior.
Calling repeatedly for the wrong person: If you receive calls on behalf of someone else, you are not responsible for their debt.
Failing to notify you of your right to dispute the debt: You must receive clear information about your right to dispute a debt. If the collector doesn’t provide this, they violate the FDCPA.
Attempting to collect more than what is legally permissible: Collectors cannot ask for more than the original debt plus any accrued interest or fees allowed by law.
Reporting debts resulting from identity theft: Some debts reported by agencies like TrueAccord may arise from identity theft. It is crucial to challenge these erroneous debts to protect your credit score and financial reputation under laws such as the Fair Credit Reporting Act.
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True Accord Corp Phone Numbers: Are You a Victim of Harassment?
If you’re receiving calls from any of the following numbers, you could be dealing with True Accord Corp phone harassment:
866-611-2731
(866) 611-2731
8666112731
True Accord Corp is likely behind the calls if you recognize these numbers. However, be aware that TAC might use different numbers to contact you. It’s crucial to act quickly. Reach out to our office today to begin the process of stopping this illegal harassment. No one should endure the stress of constant phone calls!
What To Do If You Receive These Calls
If you suspect you’re a victim of True Accord Corp phone harassment, take the following steps:
Document Everything: Keep a detailed log of every call, including dates, times, and the conversation content. This information can be crucial if you decide to take legal action.
Do Not Engage: While arguing or explaining your situation may be tempting, engaging can sometimes escalate the matter. Instead, inform the debt collector that you are aware of your rights.
Request Written Communication: Under the FDCPA, you have the right to request that the collector communicate only in writing, further helping you avoid further harassment.
Consult with a Legal Professional: If harassment continues, contact a legal expert specializing in consumer rights. They can guide you through filing a complaint or pursuing legal action.
Common Questions About True Accord Corp
Is TAC a scam?
True Accord Corp is a legitimate business operating for five years. However, like many legitimate businesses, they may employ questionable practices that can lead to complaints. Most collection agencies seek to establish recurring electronic payments from consumers, which can sometimes result in unauthorized deductions from bank accounts, emphasizing the importance of compliance with laws like the EFTA.
Can True Accord Corp garnish my wages?
Yes, TAC can garnish wages, particularly in cases involving Federal Student Loans or if they secure a judgment from a court. It is important to differentiate between debt collection agencies like TAC and the original creditor, as the original creditor may have different legal rights and obligations concerning wage garnishment and credit reporting.
Can TAC sue me?
Yes, TAC can sue if the debt is within the statute of limitations. Typically, this is three to six years but can vary by state.
Can TAC report my debt to credit bureaus?
Debt collectors can report collection accounts to credit bureaus, negatively affecting your credit score.
Can TAC arrest me?
Debt collectors lack the authority to arrest individuals for debts. However, if you fail to adhere to a court order, such as appearing in court, a judge can issue an arrest warrant. Depending on your state’s laws, you might face arrest for certain debts, like unpaid child support or traffic violations.
Complaints Against True Accord Debt Collection Harassment
Over the past year, several complaints have surfaced against True Accord Corp. Here are a few notable cases you can find on Pacer.org:
2:18-cv-00683-KG-KRS Zuniga v. TrueAccord
2:18-cv-00227-CW Hatch et al. v. TrueAccord
4:17-cv-01297-KOB Ramsey v. Trueaccord Corp et al.
2:17-cv-00046-DMG-FFM Joan Roy v. Trueaccord Corp et al.
3:17-cv-00397-TMR Brown v. TrueAccord Corp et al.
These cases exemplify the potential legal issues consumers may face when dealing with True Accord Corp. If you feel TAC violates your rights, it is essential to speak up.
TrueAccord Reviews and Ratings
TrueAccord has garnered mixed reviews from consumers. On Google, they boast an impressive average rating of 4.6 out of 5 stars, based on over 1,000 reviews. This suggests that many consumers have had positive experiences with their services. However, the picture is less rosy on the Better Business Bureau (BBB) website, where TrueAccord has received over 300 complaints in the past three years. Additionally, the Consumer Financial Protection Bureau (CFPB) has reported almost 700 complaints against TrueAccord over the last decade. These complaints often highlight issues with communication and collection practices, underscoring the importance of being vigilant and informed when dealing with this debt collection agency.
About The Wood Law Firm
The Wood Law Firm specializes in assisting clients facing harassment from debt collectors, including True Accord Corp. You don’t have to endure this alone; contact us today to start your journey toward peace. We’ve supported consumers since 2010 and have an A+ rating with the BBB.
Revenue Group Debt Collection Harassment
How We Can Help You
At The Wood Law Firm, navigating debt collection can be overwhelming. Here’s how we can assist you:
Free Consultations: We offer initial consultations at no cost, allowing you to discuss your situation without financial pressure.
Legal Representation: We will represent you in court if your case warrants it, and we are committed to fighting for your rights.
Education on Your Rights: We believe in empowering our clients. We will educate you on your rights under the FDCPA and other relevant state and federal laws, ensuring you understand the legal protections available to you.
Negotiation with Collectors: Our team can negotiate with collectors on your behalf, potentially reducing the amount owed or arranging more manageable payment plans.
Protection from Harassment: Once you engage our services, we can work to stop the harassment and ensure you can live your life without fear of constant calls.
To safeguard yourself from harassment, contact us at [+1 844-638-1122](tel:+1 844-638-1122) for immediate assistance or visit our website at https://protectionforconsumers.com/
Success Stories
Our clients often express their gratitude for our services. Here’s what a few of them have to say:
Client A: “I highly recommend to anyone experiencing harassment! Their professionalism and clarity about my rights were invaluable.”
Client B: “I worked with on two occasions, and each time, the staff was courteous, knowledgeable, and able to stop the harassment. I even received compensation. I would recommend this firm to anyone facing similar issues.”
Client C: “Due to false claims from a third-party debt collector, I nearly made the mistake of paying a debt I couldn’t afford. The team here was friendly and knowledgeable, and they settled my case quickly. Thank you so much!”
What to Do After Facing True Accord Debt Collection Harassment
If you’ve been a victim of harassment from True Accord Corp, it’s vital to take action. Here’s a step-by-step guide to help you recover from the ordeal:
Gather Documentation: Compile all relevant information, including call logs, letters, and any other communication with the debt collector.
File a Complaint: You can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s Attorney General’s office. This action can help hold the collector accountable.
Consider Legal Action: If harassment continues, consult with a legal professional. They can help you understand your options and assist in filing a lawsuit if necessary.
Monitor Your Credit Report: Regularly check your credit report for any inaccuracies related to your debt. You’re entitled to one free credit report from each significant bureaus annually.
Educate Yourself: Stay informed about your rights and debt collection laws. Knowledge is your best defense against harassment.
Seek Support: Don’t hesitate to seek emotional support from friends, family, or professionals. The stress of dealing with debt collectors can be overwhelming.
Also read: Recovery Solutions Group Debt Collection Harassment
Send a Debt Validation Letter to TrueAccord
If you’re being contacted by TrueAccord, one of the first steps you should take is to send them a Debt Validation Letter. This letter is a formal request for proof of the debt they claim you owe. It’s crucial to send this letter within 30 days of their initial contact. Your letter should include your name, address, and account number, along with a clear statement requesting validation of the debt. If TrueAccord fails to provide evidence of the debt within 30 days, they are legally prohibited from contacting you further. This step is vital in protecting yourself from potential errors or fraudulent claims.
The Role of Technology in Debt Collection
TrueAccord leverages digital communication to collect debts, utilizing emails and even social media to reach consumers. Typically, they send an email prompting you to log into your account to review the outstanding bill, dispute it, or set up a payment plan. While digital communications can offer convenience and a clear record of interactions, they also come with their own set of challenges. For instance, the ease of digital communication can sometimes lead to an overwhelming number of messages. However, having a written history of all communications can be beneficial in ensuring compliance with debt collection regulations and protecting your rights.
Understanding the Statute of Limitations
The statute of limitations is a critical concept in debt collection, referring to the time period during which a creditor or debt collector can legally sue you for a debt. This period varies by state and type of debt, typically ranging from three to six years. Once the statute of limitations has expired, TrueAccord cannot sue you for the debt. However, they may still attempt to collect the debt through other means, such as phone calls or letters. Knowing the statute of limitations for your specific debt can help you understand your legal standing and protect yourself from unwarranted legal actions.
Additional Resources
For more information about your rights and how to protect yourself from harassment, check out these helpful links:
Conclusion: Stand Up Against True Accord Debt Collection Harassment
Experiencing harassment from True Accord Corp or any debt collector can be daunting. However, knowing your rights and understanding the law can empower you to take action. Remember, you are not alone in this battle; resources are available to help you navigate these challenging waters.
If you find yourself overwhelmed by debt collection harassment, contact The Wood Law Firm. Our dedicated team is ready to assist you and ensure your rights are upheld. Call us today at for a free consultation and take the first step toward reclaiming your peace of mind.
