Debt Harassment
ACS knows the FCCPA was designed to stop the use of abusive, deceptive and unfair debt collection practices used by debt collectors. Many consumers often receive collection communications for debts previously filed in and/or discharged through bankruptcy which violates your rights under the FCCPA. This illegal activity occurs because former and current creditors refuse to accept the Bankruptcy Court’s discharge order or Notice of Filing, and they will try to subtly or sometimes blatantly violate the law and not get caught. ACS has vast experience in pursuing these violations and routinely collects statutory damages in these instances for our clients, as well as damages from violating the Fair Credit Reporting Act (FCRA) where it may apply. Results may not be typical and you may not have as beneficial a result. Once again, there are no fees or costs unless we win or settle your case.

When a creditor makes contact with you after you’ve filed your bankruptcy petition it may be a violation of the FCCPA and entitle you up to…
$1000 in statutory damages per creditor.

Unlike bankruptcy attorneys, we make sure all the credit bureaus are notified of your Bankruptcy Filing. Likewise, we make sure all the credit bureaus are aware of the Bankruptcy Discharge. Finally, we provide dispute and verification letters for all three credit bureaus. These 3 separate and individual notices sent to all the credit bureaus trigger the laws under the Fair Credit Report Act (FCRA) which then require communications to take place between the credit bureaus and your creditors to make sure all accounts are reporting a $0.00 balance and “included in bankruptcy.”