Who is Action Collection Agency of Boston?
Action Collection Agency of Boston (ACA), also known as ACA Collections, is a debt collection agency located in Middleborough, Massachusetts. They serve as intermediaries between creditors and debtors, with the aim of ensuring that outstanding debts are paid.
If you find ACA Collections listed on your credit report as a collections account, this generally means that you have an unpaid debt that has been transferred to ACA from the original creditor.
Who does Action Collection Agency of Boston collect for?
Action Collection Agency of Boston has a special focus on the healthcare industry, collecting debts for a diverse range of healthcare providers. Their clients range from large health systems, which could include networks of hospitals and specialized care facilities, to individual medical facilities, physician networks, smaller hospitals, group practices, and even clinics.
Is Action Collection Agency of Boston legit or a scam?
Action Collection Agency of Boston 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 Agency from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Action Collection Agency of Boston (ACA) Contact Information
Address:
Action Collection Agency of Boston
16 Commerce Blvd Ste E
Middleborough, MA 02346
Phone number: (800) 478-7421 or (508) 923-0310
Should I contact or pay Action Collection Agency of Boston?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Action Collection Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Action Collection Agency of Boston on behalf of their clients.
Will Action Collection Agency of Boston sue me or garnish my wages?
While it’s possible for any debt collection agency, including Action Collection Agency of Boston, to sue a debtor for unpaid debts, it doesn’t happen in every case. If you’re sued and a judgment is issued against you, then wage garnishment could potentially occur depending on your state’s laws.
However, before things reach this point, it’s often possible to negotiate a payment plan or settlement with the collection agency.
Action Collection Agency of Boston Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Action Collection Agency of Boston
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Action Collection Agency of Boston 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Action Collection Agency of Boston cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Action Collection Agency of Boston must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Action Collection Agency of Boston cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Action Collection Agency From Your Credit Report Today!
Credit Saint offers assistance with disputing Action Collection Agency collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
