Are you stressed about phone calls and letters from Associated Credit Services? Getting contacted by debt collectors is scary, but you may have more power in this situation than you realize. To help you resolve the matter on your own terms, we’ll guide you through who Associated Credit Services is, what rights you have, and strategies you can use to stop the calls once and for all.
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What is Associated Credit Services?
Associated Credit Services, Inc. is an accounts receivable management company based in Westborough, Massachusetts. One of their functions is to collect debt on behalf of other parties. Associated Credit Services is often shortened to ACS, and has been in operation for over 50 years.
Other names for Associated Credit Services
If Associated Credit Services is trying to collect a debt from you, they may show up on your credit report under various names, including:
- Associated Credit Services
- Associated Credit Services, Inc.
Who does Associated Credit Services collect for?
Associated Credit Services collects general debts on behalf of other parties. They don’t advertise a specialty area of debt, so they may collect debts including:
- Medical bills
- Student loans
- Telecoms/phone bills
- Service provider fees
- Unpaid credit accounts
Is Associated Credit Services a legitimate company?
Yes, Associated Credit Services is a legitimate company. It’s been incorporated since 1971 and accredited by the Better Business Bureau (BBB) since 1973.
However, legitimate businesses don’t always operate above board, and Associated Credit Services may be taking unethical actions to collect debt. In fact, they’ve previously been sued for violating the Fair Debt Collection Act, and have over 50 complaints with the BBB. 1 2
When dealing with phone calls and letters from Associated Credit Services, it’s important to understand what rights you have so you can resolve the situation on your own terms. Also note that fraudulent actors may pretend to be debt collection agencies in order to extract undue payment from you. Don’t pay a penny to anyone claiming to be Associated Credit Services until you’ve received a debt validation letter from the company.
How to deal with Associated Credit Services
Ready to take control of your debt with Associated Credit Services? Choose the methods you want to attempt below.
If the debt is inaccurate, learn how to remove the collection from your credit report.
If your rights are being violated, learn how to fight back using protections under federal law.
If you're not certain the debt is yours, request more information (and temporarily stop collection efforts).
If you're ready to pay up, learn how to do it in a way that keeps you on better financial footing.