American Collections Enterprise Inc or AMCOLLECT is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might calling, and how you can stop them.
American Collections Enterprise has been in business since 1993, and its principal office is located in Alexandria, Virginia. American Collections Enterprise specializes in medical, dental, and hospital debt, in addition to credit card debt, bounced checks, and past due rent. The debt collection agency boasts that they “find your missing debtor,” and pledge to collect on accounts forever.
The BBB lists American Collections Enterprise as a legitimate collection agency on their profile page. This agency uses many different debt collection tactics, such as telephone calls, letters, skip tracing, and credit reporting. In actuality, AMCOLLECT claims that a customer has 60 days to pay a debt prior to the agency reports it to the major credit agencies.
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As of March 2017, the Better Business Bureau reported 34 closed American Collections Enterprise complaints over the previous few decades, including 8 shut American Collections Enterprise complaints over the past 12 months. The BBB provides American Collections Enterprise an A rating. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 28 closed American Collections Enterprise complaints for 2016.
American Collections Enterprise, Inc.
205 S Whiting Street, Suite 500
Alexandria, VA 22310
American Collections Enterprise Phone Number: 800-208-2234
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely AMCOLLECT would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Absolutely. Here is a Sample Case Filed in Federal Court against American Collections Enterprise
In a 1999 class action lawsuit, a judge in U.S. District Court, Eastern District of New York, given a Customer’s summary judgment in Ong v. American Collections Enterprise for alleged violations of the Fair Debt Collection Practices Act. The judgment addressed the issue of whether a demand letter for a debt owed to Capital One was a violation of the FDCPA. The letter said, “Unless you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any part thereof, this office will assume the debt is valid.” The customer claimed that requiring him to dispute the debt in writing, as opposed to over the telephone, was a violation of the FDCPA. American Collections Enterprise contended that, under the law, disputes needed to be in writing. The judge disagreed, stating that the letter misled the consumer into thinking that he might not effectively dispute the debt verbally.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients Are Saying
“I’ve had experiences before with legal teams and I can say certainly that Lemberg Law has certainly earned their reputation the old fashioned way…being constant in representing their client’s best interest.”
“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”
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The brief answer is yes. We can help. Call us today.