If Action Collection Agency of Boston (ACA) shows up on your credit report, it likely means a collection account has been added. Collection accounts can lower your credit score and stay on your credit report for up to seven years. But there are ways to handle them—and potentially have them removed.
Who Is Action Collection Agency of Boston?
Action Collection Agency of Boston, also known as ACA Collections, is a third-party debt collection company based in Middleborough, Massachusetts. They collect unpaid debts on behalf of other businesses, with a strong focus on the healthcare industry.
If their name appears on your credit report, they’ve likely been hired to collect a medical debt or other unpaid balance.
Who Does Action Collection Agency Collect For?
ACA primarily works with healthcare providers, including:
- Large health systems: Hospitals and specialized care facilities.
- Individual hospitals and clinics: Medical groups and physician networks.
- Smaller medical practices: Group practices and healthcare providers.
If you’ve fallen behind on a medical bill or healthcare-related payment, ACA may be the company trying to collect the debt.
Is Action Collection Agency of Boston Legitimate?
Yes, Action Collection Agency of Boston is a legitimate debt collection company. They are authorized to collect debts for their clients. That said, always verify the debt before making any payments. Errors and outdated accounts are common.
How to Remove Action Collection Agency From Your Credit Report
Collection accounts can damage your credit score, but here’s how you may be able to remove them:
- Dispute Inaccurate Information: If the account details are incorrect, file a dispute with the credit bureaus. They must investigate and correct any errors.
- Request Debt Validation: You have the right to ask ACA to prove the debt is yours and confirm the amount is accurate. If they can’t validate it, the account should be removed.
- Negotiate a Pay-for-Delete Agreement: Some collectors will agree to remove the account from your credit report in exchange for payment. Always get this agreement in writing.
- Work With a Credit Repair Service: Professionals can challenge inaccurate accounts and help improve your credit faster.
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Should You Contact or Pay Action Collection Agency of Boston?
Before contacting ACA or making a payment, confirm the debt is valid. Many people find incorrect or outdated collection accounts listed on their credit reports. Making a payment can also restart the clock on how long the debt affects your credit.
Working with a credit repair company can help you avoid mistakes and protect your credit.
Can Action Collection Agency of Boston Sue You or Garnish Your Wages?
Debt collectors like ACA can sue for unpaid debts. If they win a lawsuit, they may be able to garnish your wages or bank accounts, depending on your state’s laws. Wage garnishment requires a court order and doesn’t happen automatically.
Lawsuits are typically a last resort, but they are possible if the debt remains unpaid.
Complaints Against Action Collection Agency of Boston
Like many debt collectors, ACA has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information on credit reports
- Harassment or excessive contact
- Failure to provide proper debt validation
If you experience these issues, you can file a complaint with the appropriate agencies.
Your Rights When Dealing With Action Collection Agency of Boston
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you by:
- Allowing you to dispute inaccurate credit reporting
- Giving you the right to request debt validation within 30 days of first contact
- Prohibiting harassment, threats, or abusive language
- Requiring debt collectors to clearly identify themselves and their purpose
- Preventing false threats of arrest or imprisonment
Knowing your rights can help you deal with ACA more confidently.
Action Collection Agency of Boston Contact Information
Address:
Action Collection Agency of Boston
16 Commerce Blvd, Suite E
Middleborough, MA 02346
Phone: (800) 478-7421 or (508) 923-0310
Remove Action Collection Agency From Your Credit Report Today
Dealing with collection accounts can be stressful, but you don’t have to manage it alone. Credit Saint has helped thousands of people challenge inaccurate items and work toward improving their credit. They even offer a 90-day money-back guarantee for extra peace of mind.
To explore your options for disputing Action Collection Agency accounts, visit their website or call (855) 281-1510 today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
