Introduction to AA Action Collection Company

AA Action Collection Company was founded in 1954 as a New Jersey corporation dedicated to helping commercial and professional clients collect their aging receivables. Over the past 50 years Action has developed into a national company serving the needs of several specialty industries. Including medical, commercial, cellular, and education, just to name a few.

At Action we proudly offer an array of submission, reporting and payment preferences including, monthly, quarterly and semi-annual options, sent via mail, or fax. We also have the ability to customize our recovery protocols to best suit your company or practice. We may tailor a series of letters, phone calls and legal options to reflect how aggressive or passive you’d like us to be.

We are proud to offer our clients comprehensive legal and insurance departments.

We have the experience and the ability to skip trace and locate hard to find debtors.

AA Action Collection Company Contact Details

Address: 29 Columbia Turnpike,
Florham Park,
NJ 07932,
USA
Hours:
Monday-Friday: 8AM–6PM
Phone: +1 973-845-9900

Harassment by AA Action Collection Company

 

Deceptive and unfair methods

This includes:

  • Sending letters addressed to ‘the occupier’ or discussing the debt with someone without knowing if they are you.

  • Refusing to deal with an adviser acting on your behalf.

  • Inappropriately passing your details on to debt management companies, brokers or creditors.

  • Not accepting reasonable offers or passing on payments you make.

  • Trying to enforce the debt if you are in a debt payment scheme such as a debt arrangement scheme or protected trust deed.

  • Refusing to freeze action or failing to investigate if you dispute the debt.

  • Trying to take larger or more frequent payments than you have agreed from your account using a continuous payment authority.

Charging for debt recovery

 

This includes:

  • Claiming collection costs when the original credit agreement didn’t allow this to happen and making you think you are legally liable for the costs.

  • Not clearly stating the amount that can be added for collection costs in the original credit agreement.

  • Adding any unreasonable charges.

Charging for debt recovery

 

This includes:

  • Claiming collection costs when the original credit agreement didn’t allow this to happen and making you think you are legally liable for the costs.
  • Not clearly stating the amount that can be added for collection costs in the original credit agreement.
  • Adding any unreasonable charges.

How to Handle AA Action Collection Company?

 

Citizens Advice consumer service and Trading Standards:

 

If you want to make a complaint, you can contact the Citizens Advice consumer service. See Useful contacts later in this fact sheet. They will give you advice over the phone or by email. They can put you in touch with the trading standards department in your local council if you need more detailed or face-to-face advice. Trading standards can investigate whether an offense has been committed and whether prosecution is appropriate. A conviction is also likely to provide evidence that the creditor is no longer a suitable company to be authorized by the FCA.

The Financial Ombudsman Service (FOS):

 

You can complain to the Financial Ombudsman Service (FOS)about how a creditor or debt collection agency has behaved when dealing with your account. The service is free and independent. The FOS will look at your complaint and decide if the creditor or debt collection agency has treated you fairly. The FOS can order the company to put things right, and even order them to pay you compensation. You must complain to your creditor or debt collection agency first.

How Can Debt Academy Help You?

 

Debt Academy help you to negotiates with your creditors to accept a lump sum payment that is less than the debt balance owed. You’ll make monthly payments to a third-party savings account. Once you’ve accumulated enough cash, those funds will be used to pay off the negotiated amount. Debt settlement programs of Debt Academy provide some advantages:

Reduction in Multiple Debts to a Single Monthly Payment:

Instead of dealing with payments each month to each creditor, you pay one monthly sum to the savings account. That way, you can focus on one payment each month, so you don’t rack up late payment fees just because you’re overwhelmed with the costs.

Assisting You to Avoid Up-Front Fees:

 

When you work with Debt Academy, the Federal Trade Commission prohibits the company from charging you any fees before your debt is settled. Debt Academy rules state that fees can be charged only after the firm has successfully negotiated the debt on terms the customer accepted. Debt Academy will abide by the FTC regulations, and not require any up-front or monthly fees. Fees should only be paid on the basis of results.

Image Credits All screenshots by writer are from BBB.com and Google reviews Taken in April 2018.