Are you being called by Acceptance Now LLC?* Here's what you need to know.
Most of us owe money to credit cards, student loans, and other accounts. As long as we have a regular income, we can normally manage such debt and eventually pay it off. But if we are laid off or have our incomes cut due to disability and miss a certain number of payments, your creditors will likely submit the accounts to a third-party collection agency, some of whom can be ruthless when they want your money.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from unethical debt collectors. Under the FDCPA, collection agencies may not use bullying or deceptive tactics like the following when collecting or attempting to collect a debt.
- Using profane and abusive language
- Demanding outrageous ‘fees’ in addition to the original debt
- Calling you at work after you’ve told them that your employer won’t let you take such calls
- Claiming to be an attorney or a law enforcement official
- Demanding amounts that exceed the original debt
- Talking to uninvolved parties such as your friends, family, and co-workers about the debt
Company Profile: Acceptance Now LLC
If you are being called by Acceptance Now LLC, information about the company is below.
Acceptance Now LLC is a furniture rental and debt collection office located in Plano, Texas. It was established in 2005, has over 1,000 outlets throughout the country, and uses its collection office when people become delinquent in their furniture rental payments. According to litigation records on file at the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Acceptance Now LLC resisted any perceived bullying and hired attorneys to help them claim damages under the FDCPA.
Alleged Violations against Acceptance Now LLC
Antonio Gonzalez Cruz vs. Rohnert Park Furniture Solutions, Inc. et al*
According to PACER, in or around early 2016 California resident Antonio Gonzalez Cruz received a call from a man named Kevin, stating he worked for Ashley Furniture and Acceptance Now LLC". He added that he was looking for a Herb Cody regarding a past due balance owed to them. Mr. Cruz said he was not Herb Cody and to not call that number again, but Kevin allegedly replied that unless a new number was found for Herb Cody, he could be called again.
Feeling harassed by Acceptance Now LLC, Mr. Cruz hired a consumer attorney and sued the agency for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
Hire an Attorney
The phone number for this collection agency is 1-888-672-2411. If you see it on your caller ID, it means that you are being called by Acceptance Now LLC. If they keep calling you about a debt that is not yours, hire a consumer attorney who can you help file a claim against Acceptance Now LLC and stop the calls that way. If you win your case, you may potentially receive $1,000 per FDCPA violation plus court costs and attorney fees. Even if you actually owe money, you have rights that debt collectors ignore at their own risk.
*Case taken from PACER (www.pacer.gov). File number is Case 3:16-cv-06589-WHO from the United States District Court for the Northern District of California.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Acceptance Now LLC, or any other third-party collection agency, you may not be entitled to any compensation.