Atlantic Collection Agency


Is Atlantic Collection Agency hurting your credit score?

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

Who is Atlantic Collection Agency?

Atlantic Collection Agency, Inc. (ACA) is a debt collection agency located in East Lyme, Connecticut. They work with businesses and individuals to recover unpaid debts.

A record from Atlantic Collection Agency on your credit report indicates that they’ve been tasked with collecting a debt you owe. This is usually the result of an unpaid bill that has been transferred or sold to them by the original creditor.

Who does Atlantic Collection Agency collect for?

Atlantic Collection Agency specializes in the recovery of medical debts. They primarily serve healthcare providers who have been unable to collect payment for their services. These could be hospitals, clinics, or private practices that have bills left unpaid by patients.

Is Atlantic Collection Agency legit or a scam?

Atlantic Collection Agency 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 Atlantic Collection Agency from my credit report?

Atlantic Collection Agency 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.

Atlantic Collection Agency, Inc. Contact Information


Atlantic Collection Agency, Inc.
194 Boston Post Rd
East Lyme, CT 06333

Phone number: (800) 490-9026

Should I contact or pay Atlantic Collection Agency?

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 Atlantic Collection Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Atlantic Collection Agency on behalf of their clients.

Will Atlantic Collection Agency sue me or garnish my wages?

The possibility of Atlantic Collection Agency suing or garnishing your wages depends on various factors, including the size of your debt, their assessment of the collectability of the debt, the statute of limitations, and the laws of your state. If a judgment is obtained against you in court, wage garnishment is one of the methods that could be used to collect the owed debt.

Atlantic Collection Agency 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 Atlantic Collection Agency

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Atlantic Collection Agency 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.
  • Atlantic Collection Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Atlantic Collection Agency 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.
  • Atlantic Collection Agency cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Atlantic Collections From Your Credit Report Today!

Credit Saint can assist you in disputing Atlantic collection 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.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.