Understanding Calls from 864-752-1800
Are you receiving frequent calls from 864-752-1800? It’s likely that American Credit Acceptance, a debt collection agency, is trying to reach you about a debt they claim you owe. Understanding why they’re calling, who they are, and what actions you can take is crucial to protecting your rights and resolving the situation.
Reasons for Calls from American Credit Acceptance at 864-752-1800
American Credit Acceptance may be reaching out to:
- Collecting payment on a debt they claim you owe.
- Verifying or updating your contact information.
- Attempting to negotiate or resolve a balance with your creditor.
- Informing you about a payment plan or settlement offer.
- Providing notices about overdue payments or account status.
- Seeking to confirm your financial ability to pay the debt.
- Notifying you of potential legal actions if the debt remains unresolved.
Learn About American Credit Acceptance
American Credit Acceptance is a third-party debt collection agency that works on behalf of creditors to recover overdue payments. As a debt collector, they are required to comply with the Fair Debt Collection Practices Act (FDCPA) to ensure their practices are ethical and lawful.
Under the FDCPA, they are prohibited from:
- Calling too often.
- Adding unauthorized fees, charges, or interest to your debt.
- Sending misleading or fraudulent documents to intimidate you.
Dealing with Repeated Calls from 864-752-1800
If you believe these calls are unwarranted or that you do not owe the debt:
- Request Debt Validation: You have the right to ask American Credit Acceptance to provide written proof of the debt.
- Keep Records: Document the date, time, and content of each call you receive from 864-752-1800.
- Dispute or Negotiate: If you do not owe the debt, you can dispute it in writing.
- Stop Harassing Calls: If the calls continue or become excessive, you can send a cease-and-desist letter to stop further communication.
Stand Up for Your Rights Against Harassment
If you suspect American Credit Acceptance has violated your rights, you may be entitled to compensation under the FDCPA. Common violations include:
- Threatening or harassing behavior.
- Contacting third parties about your debt.
- Misrepresenting the amount or nature of the debt.
You don’t have to face debt collectors alone. Reach out to us for a free consultation to review your case and discuss your legal options.
Take Action Today – End Calls From 864-752-1800
Take back control and ensure your rights are protected. We can:
- Help you verify or dispute the debt.
- Stop unwanted or harassing calls.
- Secure compensation for any violations of your rights.
Contact us today for a free consultation. Only pay when we win!
Other Examples of Illegal Harassment
- Multiple calls per week or day
- Attempts to collect more than you owe
- Early morning or late night calls
- Calls to friends, neighbors, or coworkers
- Collection calls at work
- Use of obscene language
- Threats of violence, lawsuit, or arrest
- Attempts to intimidate you
- Use of obscene language
- Multiple calls from different phone numbers
Fight for Your Rights
The Law Protects You
The Fair Debt Collection Practices Act protects you from debt collector abuse. You can sue and recover up to $1,000.
Our Experience
We make it easy to exercise your rights. We’ll sue the debt collector on your behalf – at no upfront cost to you.
BE THE FIRST TO COMMENT