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Acceptance Now cannot threaten to have you arrested or imprisoned over unpaid debts.They must notify you that they are a debt collection agency both orally and in writing. Acceptance Now must be honest about who they are and what they are attempting to do.Acceptance Now may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate. Send the collection agency a debt validation letter. You have a legal right to request debt validation on an alleged debt.It is a violation of federal law for Acceptance Now to report inaccurate or incomplete information about you.In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. Your Rights When Dealing with Acceptance Now Collectionsĭebt collectors must abide by state and federal laws in the United States. These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). If you find yourself facing any of these situations with a debt collection company, you should also consider filing a complaint. Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). In most cases, Acceptance Now Collections would likely prefer to work with debtors to establish a feasible payment plan or negotiate a settlement agreement. However, it’s important to remember that lawsuits are generally considered a last resort due to the time, cost, and effort involved. If a lawsuit is filed and they win the case, they may be able to garnish your wages, levy your bank accounts, or place a lien on your property to collect the amount owed, depending on state laws. Will Acceptance Now Collections sue me or garnish my wages?Īcceptance Now Collections does have the legal right to sue for unpaid debts. They help remove millions of negative items every year from companies like Acceptance Now Collections on behalf of their clients. The most effective way to deal with Acceptance Now collections is to work with a credit repair professional. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit. As a result, it could harm your credit rather than improve it. Making payments on the debt will reset the clock. However, in general, speaking to a debt collection agency on the phone once they’ve reported you to the credit bureaus. You may want to contact AcceptanceNOW customer service to see if you can work something out with the company. Phone number: (770) 574-4224 Should I contact or pay Acceptance Now Collections?

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Get started on the path to better credit today: Fill out the form for a free credit consultation. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more. In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report.

#Acceptance now ashley furniture professional#

Professional credit repair services work with people who want to get their credit back on track. (While debt collectors may not want this information to be widely known, it’s your right to be informed.) However, it is possible to remove a collection account from your credit history before seven years. Unfortunately, paying the collection could even lower your credit score. How can I remove Acceptance Now Collections from my credit report?Īcceptance Now 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. This can happen if you didn’t pay a bill. You may see AcceptanceNOW listed on your credit report as a collections account. They offer financing for furniture, appliance, and other retail stores.ĪcceptanceNOW is headquartered in Plano, Texas. AcceptanceNOW is a division of rent-to-own industry leader Rent-A-Center, Inc.