Assigned Credit Solutions ACS Collections Complaints? We Stop Calls

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Assigned Credit Solutions ACS
Assigned Credit Solutions or ACS 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 be calling, and how you can stop them.

What is Assigned Credit Solutions – ACS?

Assigned Credit Solutions , Inc. (ACS) is a third-party collection agency based in New Jersey. ACS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to verify debts and attempting to collect debts not owed. If ACS has contacted you about past due collection items, make sure you understand your rights before you take action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Assigned Credit Solutions a scam?

They’re legit. According to the Better Business Bureau (BBB), Assigned Credit Solutions, Inc.was founded in 2007. The BBB established a profile page for ACS in 2008.The BBB lists ACS as a collection agency. Buzzfile estimates ACS’s annual revenue at $249,000 and the size of its headquarters staff at 10 employees.

According to its website, ACS “strives to develop long term partnerships through performance and compliance…and believes that maintaining an awareness of expectations is critical in shaping positive business relationships.” ACS states that it “sets itself apart from the competition by treating every interaction, be it with clients, consumers, or employees, with the same high level of courtesy and commitment to a positive outcome.”

Assigned Credit Solutions collects delinquent debts for automotive lenders; consumer banking and lending institutions; credit card companies; education lenders; medical and healthcare service providers; consumer retail lenders; and utility service providers.

The ACS website does not provide a lot of detailed information about its business practices. Instead, ACS states that they “train and educate their staff on how important …human interactions… with consumers really are.  People who have gone through financial hardship need to be heard, they need to feel respected, and they need to know that ACS understands the way the world has changed in recent times.” ACS “wants to be known as the company that will work with the consumer to resolve…obligations with dignity, and while being treated with respect and courtesy.”

ACS’s compliance page provides information about their technology security policies, including the Payment Card Industry Data Security Standard (PCI DSS) and SSAE 16. They also cite compliance with information privacy regulations such as the Health Information Portability and Accountability Act (HIPAA) and the Federal Trade Commission’s (FTC) Red Flags Rules. In addition, their Frequently Asked Questions page includes information and links to the FDCPA page on the FTC website and the Consumer Financial Protection Bureau’s (CFPB) complaint page.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many Complaints are there against Assigned Credit Solutions?

The BBB has closed 3 complaints against Assigned Credit Solutions in the past three years, none of them in the previous 12 months. Two of those complaints alleged problems with billing and collections; the third cited problems with customer service.As of May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 1 complaint against ACS. Justia lists at least 5 cases of civil litigation involving ACS.

Contact Information

Assigned Credit Solutions, Inc.
701 Route 73 N., Suite 8
Marlton, NJ 08053
Telephone: (856) 667-5450


Can Assigned Credit Solutions Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ACS 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!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Assigned Credit Solutions?

Absolutely. Here are some Sample Complaints

In March 2017 , in United States District Court for the District of New Jersey, a judge issued a Memorandum Opinion in a case alleging Assigned Credit Solutions had violated the FDCPA. In this case, the plaintiff claimed that after incurring consumer debt and defaulting on repayment, she was contacted by ACS and agreed to terms of repayment. She alleged that she had been making regular payments as agreed, but within a year, ACS representatives “began calling her to demand larger payments.” The plaintiff told the ACS representatives that she“could not do so” and claimed that ACS had “exceeded the bounds of the FDPCA in its efforts to collect an alleged consumer debt by… calling her ‘at least twice per week to harass her into making larger payments’ despite” repeated conversations in which she had made it clear that she “was unable to make larger payments.” She had also stated that she “would continue making payments as previously agreed.” She also claimed that ACS had violated the FDCPA by “threatening to take a legal action against her if she did not make larger payments,” especially because “to date, no such action has been filed.”

The plaintiff filed her complaint in September 2015. Assigned Credit Solutions failed to respond, so the clerk of the court entered a default judgement in favor of the plaintiff. The plaintiff asked the court to issue a decision about awards for damages as result of the default judgement. The court agreed that ACS’s conduct violated the FDCPA’s prohibitions against “repeated harassing telephone calls”;“threats to take legal action”; “any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt”; “using any false, deceptive, or misleading representations or means in connection with the collection of a debt”; and the use of any “unfair or unconscionable means” in an effort to collect a debt. The court stated “that the unchallenged facts of the Complaint demonstrate her entitlement to entry of judgment against ACS in the amount of statutory damages, plus reasonable attorneys’ fees and costs, because her allegations reflect that ACS’s collections-related conduct violated numerous sections of the FDCPA.” Furthermore, because the plaintiff’s complaint was filed according to the rules of the court, and because ACS had failed to offer any defense or participate in the resolution of the complaint, the court agreed to issue a default judgment in favor of the plaintiff. As a result, she was awarded $1,000 in statutory damages for violations of the FDCPA, plus court costs and attorney’s fees.

Assigned Credit Solutions Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (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).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you 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.

Want to Stop Debt Collection Harassment Now?

You may have a case, if…

  • 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, a 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

Read more about your rights

What Our Clients are Saying

“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.”

“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”

“Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”

“Thank you and your team at Lemberg Law for the exceptional work you did on my behalf. I have never experienced the level of care, professionalism, timeliness in follow-through, and monetary compensation obtained through your firm.”

Can You Help Me Delete Assigned Credit Solutions from My Credit Report?

We can absolutely help. Call us today.

Share your story

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Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • tonya

    received a call from 9362845477 stating she is just the call center letting me know a complaint has been filed against me and court documentation needed to be served , then she had another lady come on the phone and gave her file # ***. stated she is with acs debt solutions refused to give name of so called complaint, and wanted my birthdate and social to be verified, I refused to verify anything. she said ok thank you and we will just see you in court and disconnected the call .

  • JOHN H

    Can you handle the enforcement of a breached severance agreement? Please respond if you can, I’d like to discuss one

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