Who is Automated Collection Services?
Automated Collection Services, Inc. (ACSI) is a debt collection agency based in Nashville, Tennessee. Their principal role is to assist creditors in the recovery of overdue debts.
If ACSI appears on your credit report, it generally indicates that you have a debt that has been transferred to them for collection.
Who does Automated Collection Services collect for?
Automated Collection Services provides its collection services across a range of sectors. They collect debts on behalf of entities in the education sector, financial services providers, government agencies, and healthcare organizations.
Is Automated Collection Services legit or a scam?
Despite the sometimes intrusive and persistent nature of their communication methods, Automated Collection Services is a legitimate debt collection agency. They employ a variety of communication channels, such as phone calls, texts, and emails, to reach debtors regarding their outstanding debts.
How can I remove Automated Collection 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?
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.
Automated Collection Services, Inc. (ACSI) Contact Information
2802 Opryland Dr.
Nashville, TN 37214
Phone number: (800) 467-2316
Should I contact or pay Automated Collection 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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Automated Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Automated Collection Services on behalf of their clients.
Will Automated Collection Services sue me or garnish my wages?
Automated Collection Services has the ability to sue you for the unpaid debt. If they win the lawsuit, they could potentially be granted a judgment that allows them to garnish your wages. They might also be able to seize funds from your bank accounts or place a lien on your property, depending on the laws in your particular state.
However, taking legal action is usually considered a last resort, as it is often more cost-effective and efficient to negotiate a payment plan or debt settlement. Most debt collection agencies prefer to work out a repayment agreement before proceeding with legal action.
Automated Collection Services, 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 Automated Collection Services, 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 Automated Collection 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.
- Automated Collection Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Automated Collection 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.
- Automated Collection Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Automated Collection Services From Your Credit Report Today!
Lexington Law can assist you in disputing Automated Collection Services collection 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.
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