Getting stressed by American Credit Management Inc.?
Getting bothered by American Credit Management Inc. over your defaulted loans is indeed an extremely stressful and unpleasant experience, not only for you but for your loved ones as well. The stress and unpleasantness combined with the several harassing and intimidating tactics employed by many collectors representing American Credit Management Inc. may have you feeling like the weight of the world is on your shoulders.
You are not alone in your debt repayment struggle, as there are many laws to protect you. An example of such law is the Federal Debt Collection Practices Act (FDCPA), added to the Consumer Protection Act in 1978. The act was a commendable step taken to protect you from the abusive collection activities and deceptive strategies being used to intimidate and coerce consumers into paying off a debt by several debt collection agencies.
Debt collectors who do not wish to have a lawsuit filed against them must act in accordance with the FDCPA (Fair Debt Collection Practices Act), which protects the rights of consumers in the context of debt collection. The Fair Debt Collection Practices Act makes provisions for consumers to receive compensations for the violation of their rights. Under the FDCPA, consumers can be awarded up to $1000 in statutory damages, and may even have the entire sum of their debt waived.
About American Credit Management Inc.
American Credit Management Inc. is a third-party debt collector located in, Tewksbury, Massachusetts. The company was founded in 1996 and is not yet BBB accredited.
P O Box 941,
Tewksbury, MA 01876-0801
We ease your stress by ensuring that your FDCPA rights are respected. Here’s how.
There are specific protections provided through the Fair Debt Collection Practices Act (FDCPA) including the clause which states that no debt collector may contact you by phone except between the hours of 8 am and 9 pm. Furthermore, they cannot place repeated and continuous phone calls to you with the intention of harassing or aggravating you.
A debt collection organization’s representatives are also not permitted to use abusive, threatening or profane language; they are not permitted to contact you at your place of employment after you have informed them not to do so, and they are also not allowed to misrepresent themselves or the debt in any fashion. The FDCPA does not permit debt collectors to threaten you with an arrest and they are further not allowed to discuss your debt with a third party (other than your lawyer, spouse, parent, or co-signor).
As soon as you contact us, we will grant you access to a knowledgeable debt collection defense attorney who will examine your case and tell you everything you need to know. Should you choose our recommended lawyer to represent you, we will inform your creditors that you have retained legal counsel and all communications should henceforth be directed us.
This step alone will go a long way to relieve you of some of the stress you have been facing from debt collectors; it will also give you an opportunity to learn about your available options. We provide you with the tools you need to devise a strong debt collection defense strategy geared towards getting your debts resolved, possibly getting you a settlement, and getting back on the road to financial freedom.
Know your Telephone Consumer Protection Rights
Is your debt collector bothering you with unwanted calls several times a day? Have they continued to put these unsolicited calls through to you even after you have written, expressly telling them to stop contacting you?
Excessive calls are not only harassing, but also unlawful. If your debt collector has continued to call you, especially after you have sent them a cease and desist letter, they are acting in a manner that violates your Telephone Consumer Protection Rights. You can sue such a debt collector and get a compensation of up to $500 for each harassment charge, a free lawyer, and many other benefits.
You do not have to receive a specified number of calls from a debt collection organization in order for them to have violated your TCPA rights; even just a few calls can be very intimidating. If American Credit Management Inc. keeps calling you even after you have clearly expressed your wish not to be contacted by them, you may have more powerful proof of telephone harassment. It becomes even better if you are able to provide evidence of these excessive, unlawful phone calls.
The Telephone Consumer Protection Act also prohibits:
- Automatic dialing systems
- Pre-recorded messages
- Unwanted SMS text messages
- Calls for which a charge is made to the account of the receiver
- Unsolicited advertisements by fax
What do I do if American Credit Management Inc. keeps bothering me?
- Do not answer calls from strange numbers.
- Don’t engage the caller: many debt collectors make various threats in hope that you will respond emotionally. Do not give them that satisfaction.
- Hang up when necessary: if the collector is being rude or using profane words, does not say anything, or refuse to identify themselves, then hang up.
- Save any harassing messages you have received on your voice mail in case you need to present evidence of it in the future.
- Do not disclose personal information especially to an anonymous caller.
- Seek legal advice.
About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms and Original lenders. We also encourage consumers to share their experience dealing with collection harassment, legal threats or excessive phone calls to help prepare others for the kind of treatment they are likely to receive. We alert consumers of scams, and notify them about the harassment and scare tactics that many collection agencies employ, many of which are against phone harassment laws.
Call us now on 844-791-1990
American Credit Management Inc. may be contacting you from the following numbers:
American Credit Management Inc. BBB Information
BBB file opened: 12/31/1995
Consumer Rights Law Firm Center BBB information
BBB Rating: A+