No! Many consumers call us after wrongly assuming we purchased the debt for pennies on the dollar. ACB has never purchased any debts; rather, we are hired by the creditors to act as a collection agent on their behalf. The business of purchasing debt was much more prevalent a few decades ago, and these days you might still encounter debt buyers trafficking in "zombie debt," i.e., old charged-off credit cards or student loans.

We all know what usually happens when you pay a bill late—you have to pay more, right? Well, the good news on the majority of accounts that we handle is that the prices are fixed! This means the amount you owe today is the same amount you owed yesterday, and it will be the same amount you owe tomorrow. The price is set, so you don't have to worry about being an expert negotiator. Some other collection agencies who offer to settle a debt are actually just reducing some of the late fees, interest, or other add-ons and making it appear that you are getting a good deal, but they know you are still paying above the original principal amount. At ACB, "We want to see you be successful!" because if you are successful, that means our client is being repaid, and when that happens, our clients are happy with us. You want to keep your boss happy, too, right? Please don't hesitate to call us to discuss all options we have available to help you be successful with this debt. "Let's find a way!"

This depends on a few factors, but in most cases, we are able to work with you on a short-term repayment plan that we can set up right over the phone. Please don't hesitate to call us, "We want to see you be successful!"

Our online payment web portal is still being perfected, but for now, you can easily pay us over the phone. Please call us, and we can explain our phone payment options. Additionally, some consumers opt to use their own bank's app or website to do Bill Pay using our address and their account number. If you need to verify any information, please give us a call.

We don't want anyone to ever pay a debt they don't owe. If you have a dispute over part or all of a debt we are handling, please mail us a dispute letter and attach any documents you think might help explain your side of the situation. We don't own any debts, so we cannot change the facts of the case for you, but we will always forward your written dispute to the original creditor for review. We will ask them to reply in writing if the debt is still accurate and valid, and, if so, we will ask them to send us documents to validate the debt. We will then mail you our client's reply for you to review. If you have any questions about the dispute process, please don't hesitate to call us, "We want to see you be successful!"

That is a great question! The laws that govern our industry are meant to protect consumers as well as help companies such as ours compete with other, less scrupulous operators. Please visit the Consumer Financial Protection Bureau's (CFPB) website or read up on the Fair Debt Collection Practices Act (FDCPA) for yourself.

We always appreciate getting feedback, whether good or bad. We know how busy life can be, and taking the time to give written feedback is something we do not take lightly. Good feedback goes into the employee's permanent file and is often read to the whole office as an example of the right way to do things, whereas bad feedback can lead to a teachable moment. Please leave us a review on Google.