ACS Recovery Services

Is ACS Recovery Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is ACS Recovery Services?

ACS Recovery Services, Inc. is a debt collection agency with its headquarters in Schaumburg, Illinois.

If you notice ACS Recovery Services on your credit report, it suggests that a debt you owe has been passed to this agency for collection. This typically happens when a bill remains unpaid, and the original creditor has decided to engage a third-party agency to handle the collection process.

Who does ACS Recovery Services collect for?

ACS Recovery Services specializes in the recovery of past-due debts on behalf of original creditors. This typically encompasses a broad spectrum of businesses, including but not limited to banks, credit card companies, retail companies, utility providers, and healthcare providers.

They act on behalf of these creditors to retrieve unpaid amounts, working on either a commission basis or purchasing the debt outright.

Is ACS Recovery Services legit or a scam?

ACS Recovery Services is a legitimate company. However, as part of their recovery process, they may frequently contact you via calls, texts, or emails, which can sometimes be perceived as intrusive or spam-like.

How can I remove ACS Recovery Services from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

ACS Recovery Services, Inc. Contact Information


ACS Recovery Services, Inc.
1301 Basswood Rd
Schaumburg, IL 60173

Mailing address:

ACS Recovery Services, Inc.
PO Box 4022
Schaumburg, IL 60168-4022

Phone number: (847) 839-7700

Should I contact or pay ACS Recovery Services?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with ACS Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like ACS Recovery Services on behalf of their clients.

Will ACS Recovery Services sue me or garnish my wages?

ACS Recovery Services, like many debt collection agencies, has the legal authority to sue for unpaid debts. This action is typically considered a last resort due to the associated time, cost, and resources. If they do decide to sue and they win a judgment against you, depending on the laws in your state, they could potentially garnish your wages to recover the debt.

ACS Recovery Services Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with ACS Recovery Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for ACS Recovery Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • ACS Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • ACS Recovery Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • ACS Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove ACS Recovery Services From Your Credit Report Today!

Credit Saint can assist you in disputing ACS Recovery Services accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

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