Who is Affiliated Acceptance Corporation?
Affiliated Acceptance Corporation (AAC) is a debt collection agency located in Sunrise Beach, Missouri. They manage delinquent accounts and help businesses recover their due payments.
If you notice AAC on your credit report, it indicates a collections account, often resulting from an unpaid bill.
Who does Affiliated Acceptance Corporation collect for?
Affiliated Acceptance Corporation provides its debt collection services to a diverse set of industries, with a particular emphasis on businesses within the health and fitness sector. They cater to boxing clubs, dance studios, and fitness centers, where they help manage unpaid membership dues or other related fees.
Similarly, they collect for gun clubs, kickboxing gyms, and martial arts schools. In addition, tanning salons also enlist AAC’s services to recover unpaid bills. Besides debt collection, they also offer payment processing and billing services, assisting these businesses in managing their financial operations efficiently.
Is Affiliated Acceptance Corporation legit or a scam?
Affiliated Acceptance Corporation is a legitimate company. They are authorized to collect debts on behalf of their clients. However, despite their legitimacy, it’s always advisable to verify any claimed debts before proceeding with any payments.
How can I remove Affiliated Acceptance Corporation 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.)
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Affiliated Acceptance Corporation (AAC) Contact Information
Affiliated Acceptance Corporation
Sunrise Beach, MO 65079
Affiliated Acceptance Corporation
PO Box 790001
Sunrise Beach, MO 65079
Phone number: (800) 233-848
Should I contact or pay Affiliated Acceptance Corporation?
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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with AAC is to work with a credit repair professional. They help remove millions of negative items every year from companies like Affiliated Acceptance Corporation on behalf of their clients.
Will Affiliated Acceptance Corporation sue me or garnish my wages?
It’s possible for Affiliated Acceptance Corporation to sue you to collect an outstanding debt. If they win the lawsuit and obtain a judgment against you, they might have the ability to garnish your wages depending on the laws in your state. However, not all agencies will go to these lengths, as the process can be time-consuming and costly.
Affiliated Acceptance Corporation 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 Affiliated Acceptance Corporation
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 Affiliated Acceptance Corp 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.
- Affiliated Acceptance Corp may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Affiliated Acceptance Corp 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.
- Affiliated Acceptance Corp cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Affiliated Acceptance From Your Credit Report Today!
Credit Saint can assist you in disputing AAC collections. 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.
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