Who is Action Collection Service?
Action Collection Service, Inc. (ACS) is a debt collection agency that operates primarily out of Boise, Idaho, with an additional office in Idaho Falls. They also operate as Action Collection Services.
If ACS appears on your credit report as a collection account, it typically means you have an unpaid bill which has been transferred to them for collection.
Who does Action Collection Service collect for?
Action Collection Service provides its debt collection services to a variety of businesses and organizations. These can range from small businesses to large corporations, professionals such as medical practitioners, lawyers, and accountants, as well as government agencies.
Is Action Collection Service legit or a scam?
Action Collection Service is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Action Collection Service 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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Action Collection Service, Inc. Contact Information
Address:
Action Collection Service, Inc.
6148 N Discovery Way Ste 100
Boise, ID 83713
Phone number: (844) 842-1750 or (208) 345-1750
Should I contact or pay Action Collections?
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 Action Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Action Collection Service, Inc. on behalf of their clients.
Will Action Collection Service sue me or garnish my wages?
Action Collection Service is legally entitled to sue a debtor in court. If they win the lawsuit, they may be granted a judgment that permits them to garnish wages or levy bank accounts, depending on local laws and regulations.
However, such actions are often a last resort after numerous attempts to collect the debt through other means have failed. Keep in mind that, despite the legal possibilities, not all agencies will choose to go to court as it is often a costly and time-consuming process.
Action Collection Service, Inc. 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 Action Collection Service, Inc.
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 Action Collection Service 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.
- Action Collection Service, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Action Collection Service 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.
- Action Collection Service cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Action Collection Service From Your Credit Report Today!
Lexington Law can assist you in disputing Action Collection Service accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
