The Law Office of Paul Mankin

Are you being harassed by the debt collection agency ACA Receivables Company?

What is ACA Receivables Company?

The ACA Receivables Company is currently listed as a Collections Agency. They currently serve Salt Lake County in Utah, and have been in the business for close to 17 years. They help in collecting on overdue debts, as well as accounts receivables.

Is ACA Receivables Company a legit Debt Collection Agency?

According to the BBB, they are considered to be a legitimate debt collection agency. They were started in 2002, and incorporated in Utah. Since then, their file was opened in 2009 with the Better Business Bureau. They are not accredited through the BBB, and have a rating of NR with the BBB. They also have no listed reviews on the BBB website.

ACA Receivables Company Contact Information

Address: 136 E South Temple Ste 2100, Salt Lake City, UT 84111-1124

Business Management: Mr. John C. Leland, Customer Contact

Phone Number: 1-(877)-223-3791

Does ACA Receivables Company have Complaints against them?

The BBB does not have any listed complaints against ACA Receivables Company at this time. The CFPB consumer complaint database also holds no complaints against the company in their logs either.

However, there are various message boards, such as, that have listed ACA Receivables as being harassing and persistent.

What kind of Complaints have been made?

Although there are few in number, the complaints made towards ACA Receivables Company were seen as persistent and harassing phone calls to the victims in question. This includes such things such as calling at various times, inside and outside of legal periods; calling the victim’s workplace; calling the victim’s family and friends.

One such complaint notes that the debt collector from ACA Receivables attempted to call multiple times to the victim, even when told to stop. Once the phone call was done, the call receiver was listed as ACA Receivables Company. However, the representative had stated that they were from American Receivables instead. This put a question of authenticity to the debt, and put the victim on edge.

There has also been mention that they go under the name American Receivables as well. Indeed, on Bloomberg’s profiles of companies, the website listed is This discrepancy can cause major confusion, and cause improper information and possible attempts of mismanaging clientele background profiles.

Are the Practices of ACA Receivables Company Legal?

Although calling a debtor is not considered illegal, persistent and aggressive calling can be considered illegal. Through what is known as the Fair Debt Collection Practices Act, or FDCPA for short, you are protected against debt collector harassment and excessive abuse. Debt collector harassment can come in many forms, including, but is not limited to:

  • Excessive phone calls
  • Threatening of legal action
  • Robo calls
  • Threatening letters and emails
  • Harassment of family and friends and coworkers and workplace

These are just a few of the more notable instances of debt collector harassment. Excessive phone calls can include being called at night or midnight, or early in the morning. If a debt collector threatens legal action through a letter or email, it can be considered debt collector harassment.

If you have been contacted before and have no affiliation with the company or debt that they are attempting to contact you about, you may have been a victim of debt collector harassment through a wrong number. This is when a debt collection agency has no discrepancy on who they call. Instead, they call numbers that hold similar names as to who the debtor is, in an attempt to try to fleece you to pay up.

How can I protect myself and fight back against ACA Receivables Company?

There are plenty of ways to protect yourself against attacks and abuse such as this. The most notable way is to get an experienced and professional debt collector harassment lawyer or attorney to help. We here at The Law Office of Paul Mankin, APC have many experienced lawyers that will be able to help you stop the debt collector calls and harassment, as well as report them to the proper authorities. We can also help you to start a no fees lawsuit against illegal activities and practices taken by the agencies, so that you can get compensation from the companies that have made your life difficult.

The most important bit of information in your fight against the harassment of the debt collection agency is to always remain vigilant. No matter who you have at your side, it can seem like a daunting battle against such a large company and agency. If you have ever been the subject of:

  • Multiple calls per week from a third party collection agency
  • Multiple calls in the early morning or late night from debt collectors.
  • Violent and belligerent language and harassment from debt collectors.
  • Threats of arrests or poor credit due to outstanding debts.
  • Having your friends, family, and coworkers harassed from debt collectors.
  • Automated robocalls from third party collection agencies.

Then you may have a case available. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment.  Feel free to call us at 1-800-219-3577 for a no obligation free consultation.