Advanced Capital Solutions Reviews – Know Your Rights

Advanced Capital Solutions is a debt collection agency that buys overdue debt from creditors that would rather not attempt to collect the debt themselves. This is why you see their name appear on your credit report. They are not a scam, but if you have been contacted by them, it is important to resolve the debt with them to avoid any legal complications.

Advanced Capital has been sued in federal court several times for violating consumer’s rights while trying to collect on alleged debts. They have also been reported for erroneous information in their credit reports and using harassing tactics during the process.

In the past three years, there have been around 80 complaints filed against ACS with the Better Business Bureau. The majority of these complaints are related to billing and collections issues. If you are being harassed by Advanced Capital Solutions or if you have a negative review on your report, it’s important to know your rights.

Despite being a legitimate debt collector, it’s important to remember that they must treat you fairly and respectfully. They may not use threats of violence, corporal punishment, or arrest unless the law permits it. They must also verify the debt they claim you owe within 30 days. They also cannot call you at work if you tell them your employer doesn’t allow personal or debt collection calls. They must also abide by the Fair Credit Reporting Act which states that they can’t report inaccurate or incomplete information on your credit reports.

Can advanced capital solutions garnish my wages?

A debt collector cannot sue you for a debt unless they have proof that the debt is yours and that it was legally enforceable. They can also not garnish your wages if they don’t notify you of the action and get authorization from a judge.

You can request a debt validation letter from the debt collector, which requires them to send you a document that verifies how much you owe and who you owe it to. This must be sent to you within 30 days of requesting it.

The simplest way to deal with a debt collector is to contact them in writing. You should keep records of all communication with them, including letters and recordings of phone conversations. Then, you can use the FDCPA to challenge their actions if they break the rules.

Debt collection agencies like Advanced Capital Solutions are regulated by the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These acts protect consumers from being harassed and having their credit abused by a third-party debt collector.

If you have a dispute with Advanced Capital Solutions, you should contact a credit attorney as soon as possible to help you. The sooner you contact a lawyer, the sooner they can start investigating your case. They can look into whether or not the debt is valid, how much you owe, and whether the disputed debt has been paid or not. They can help you get the disputed debt removed from your credit report, which will improve your credit score and your ability to take out future loans. advanced capital solutions reviews

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