Did we contact you?

If you are a consumer that has been contacted by our office, it is important that you call the toll-free number provided to you (or our general toll-free number) and talk with one of our representatives. Please have your file number available (this number was provided to you in our original letter or phone call). A representative will be able to resolve any questions you may have and will be able to help you determine the best way to resolve any outstanding issues.

As a consumer, you have certain rights afforded you by Federal and State laws. You have the right to receive a Validation Notice as well as the name and address of the original creditor. You also have the right to send ACR a Cease Communication Request. If you have been contacted by us in error (mistaken identity), or if you have already paid an amount in question, we are sorry for the inconvenience. Sometimes the information we get is not 100% accurate. Just let us know and we will be happy to adjust our records.

If you feel you have been treated unfairly or otherwise have a complaint or dispute, we urge you to let us know so we can remedy the situation. Please send us an email or a fax (678-324-6964) to the attention of Compliance Officer. ACR takes all complaints very seriously. Each complaint or dispute is fully investigated by our Compliance Department. If it is determined that a dispute is valid, the consumer’s account will be closed and a letter will be issued to the consumer.   

Federal Law mandates that this communication is an attempt to collect a debt by a debt collection agency. Any and all information obtained will be used for that purpose.


Ways to rebuild your finances and credit

Make a budget

  • Be realistic and make lifestyle changes as necessary to make the budget work
  • Try using Dave Ramsey’s envelope http://www.daveramsey.com/blog/envelope-system-explained

Cut-up your credit cards

Pay-off your debts absolutely positively as soon as possible. Own your own life again!
Do not buy on credit. Instead, go without and save a little each day until you can pay cash.

Get a second job and use the extra income from it to pay off debts or save.
Avoid eating out in restaurants

There is always someone out there who is less fortunate than you. By helping (contributing time, a little money or generosity), you will help them and make yourself feel wonderful!

For more information on rebuilding your finances and credit, click the RMA logo below: