Agency of Credit Control or ACC debt collection agency is bound by the Fair Debt Collection Practices Act. Learn more about the company and how you can stop harassing debt collection calls.
Agency of Credit Control, Inc. or ACC is a legitimate third-party debt collection agency based in Denver, Colorado. Agency of Credit Control, Inc. also operates under the name, Receivables Management Solutions. According to its website, on March 1, 2019, Agency of Credit Control, Inc. completed a merger with Western Control Services, Inc. (WCS), and that WCS now operates as Agency of Credit Control, Inc. ACC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including making false statements and threatening to take actions that cannot legally be taken. If Agency of Credit Control, Inc. has contacted you about past due collection items, make sure you know your rights before you take action.
Agency Credit Control, Inc. bills itself as one of the oldest and most respected collection agencies in the Rocky Mountain region. Agency of Credit Control, Inc. boasts that it offers “cradle to grave” collection services ranging from pre-collect/early-out billing to credit reporting and post-judgment collection. In order to “help bring more money back in to” the pockets of its clients, Agency Credit Control, Inc. utilizes top-of-the-line technology and a knowledgeable staff of well-trained collection professionals. To that end, Agency Credit Control, Inc. employs the latest in electronic collection technology, skiptracing tools, and electronic payment services. Agency of Credit Control, Inc. ’s automated payment system “is programmed to ensure tight follow up of all payment arrangements and priority accounts.”
Agency of Credit Control, Inc. employs skiptracing services to locate debtors whose whereabouts are unknown and to uncover employment and asset information in order to seize, place liens, or wage garnishments against. This process ensures “that as many accounts as possible are liquidated.”
ACC. also utilizes its own team of attorneys to litigate claims against debtors, including obtaining interest bearing judgments and wage garnishments. Further, Agency of Credit Control, Inc. will report all outstanding debts to the credit reporting bureaus to “ensure that any consumer who has not paid their account may encounter problems obtaining credit.”
The Agency of Credit Control, Inc. website does not include any detailed information about its regulatory compliance policies. The site is client-facing. The resources tab on the home page leads to a page with collection industry information aimed at businesses and collection agencies. There are no links or references to consumer protection resources, laws, or enforcement agencies.
Agency of Credit Control, Inc. specializes in a diverse range of industries, including medical and healthcare service providers, dental practices, utility service providers, consumer retail lenders, and property management companies.
As a third-party debt collection agency, Agency of Credit Control, Inc. is required to adhere to the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from abusive debt collection tactics. Nevertheless, consumers have filed complaints accusing Agency of Credit Control, Inc. of violating the FDCPA. Those accusations have included claims that the debt collection agency has threatened to sue consumers without actually intending to do so and talking to third parties about consumers’ debts. It’s imperative that you know your rights under the law before speaking with Agency of Credit Control, Inc. debt collectors.
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Agency of Credit Control, Inc. is accredited by the Better Business Bureau (BBB), which issued Agency of Credit Control, Inc. an “A+” rating, despite eight complaints against Agency of Credit Control, Inc. in the past three years, only one of which has been resolved in the past 12 months. All of these complaints alleged problems with billing and collections services provided by Agency of Credit Control, Inc. Since March 2014, the Consumer Financial Protection Bureau (CFPB) has received 38 complaints against Agency of Credit Control, Inc. 36 of these complaints contained allegations involving Agency of Credit Control, Inc.’s debt collection practices, while the remaining complaints contained allegations related to credit report and payday loan practices. In addition, Justia, one of the largest online legal databases in the United States, lists at least three federal cases of civil litigation involving ACC.
If you’ve been contacted by ACC, you have the right to sue them in federal court if the debt collection agency has violated the Fair Debt Collection Practices Act. Signs that you may be on solid legal footing are:
The Fair Debt Collection Practices Act was put into law in order to protect consumers like you, but there’s a catch. While the government sues debt collection agencies that egregiously violate the law, it doesn’t sue agencies on behalf of individual consumers. Instead, the FDCPA has what’s called a fee-shifting provision. This means that, if you sue and win, then the debt collection agency has to pay your court costs and attorney fees. Fee-shifting levels the playing field so that you can assert your rights.
Are you asking yourself…
Agency of Credit Control could be calling for a number of reasons, all of them related to debt collection:
If you’ve been contacted by ACC it’s important to know your rights under the Fair Debt Collection Practices Act. If they’ve violated your rights, you can take the agency to court and sue for statutory damages of up to $1,000 – along with court costs and attorney fees.
Yes. Agency of Credit Control can sue you if you owe the debt, however, threatening to sue or serve you with papers if they don’t intend to do so is a violation of the Fair Debt Collection Practices Act. Additionally, after receiving the first collection notice, you have 30 days to dispute the debt. If you dispute the debt, then ACC is required by the FDCPA to prove that you do, in fact, owe the money. A debt collection agency isn’t allowed to sue you if, for example, the debt is past the statute of limitations or if you do not legally owe the debt. It’s a good idea to speak with a fair debt attorney if you’ve been served with a summons or legal complaint.
Yes. However, Agency of Credit Control cannot threaten you to garnish your wages and garnishment can only only occur if ACC files a lawsuit and obtains a judgment against you. It’s common for consumers to ignore notice of a lawsuit; if you don’t appear in court, the judge may automatically rule against you. Debt collection agencies have been known to avoid serving consumers with notice to increase the odds of obtaining a judgment. This is called “sewer service” or “gutter service.” The bottom line? If wage garnishment takes you by surprise, talk to a consumer attorney who can fight for your rights.
Yes. Agency of Credit Control can report debts in collection to the three major credit reporting agencies – Experian, TransUnion, and Equifax. Once a debt is reported to the credit bureaus, it will appear on your credit report and will impact your credit score.
Yes. However, as with wage garnishment, a property lien can only arise out of a court judgment against you. If ACC files a lawsuit against you and the judge rules in their favor, then the debt collection agency has a right to collect that money. One way of doing that is by putting a lien on your house or property. That’s why it’s imperative to respond to legal papers and to have an attorney by your side who will fight on your behalf.
No. Agency of Credit Control – or any other debt collection agency like ACC for that matter – has no authority whatsoever to arrest you. In fact, threatening you with arrest or jail is a violation of the Fair Debt Collection Practices Act. While so-called “debtors prisons” are illegal, only non-payment of things like traffic tickets can lead a judge to issue a bench warrant, which in turn can lead to arrest.
Yes. You absolutely have the right to sue Agency of Credit Control if you believe ACC violated the Fair Debt Collection Practices Act. The FDCPA says that debt collection agencies that violate the law must pay consumers up to $1,000 in statutory damages, as well as court costs and attorney fees. That’s why engaging a fair debt attorney to represent you in an FDCPA lawsuit typically doesn’t cost you anything out of pocket. The attorney that agrees to take on your case knows that the debt collection agency will be forced to pay their fees.
If Agency of Credit Control – or any other debt collection agency – is calling you to the point of harassment, using abusive or profane language, or violating the FDCPA in some other way, it’s time to fight back. Under the law, you may be entitled to up to $1,000. At Lemberg Law, we won’t charge you a dime out of pocket, and we only get paid when you win. Call us today for a free, no-obligation, case evaluation. We’ll get the justice that you deserve.
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HI I WAS CONTACTED BY ACC ABOUT A PRIVATE STUDENT LOAN THEY CLAIM I OWE, I WAS NEVER AWARE OF THIS LOAN AND THE REPRESENTATIVE SAID IT WAS NORMAL PRACTICE FOR THE DEBTOR NOT TO DISCLOSE TO CLIENTS THAT THEY WERE ACTUALLY TAKING OUT A PRIVATE LOAN..SHE IS CLAIMING THIS LOAN IS FROM 2008 OR 2010, WHAT DO I DO? HOW DO I KNOW IF THIS IS REAL? AND HAS IT RAN ITS SATUE OF LIMITATIONS?