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Is A.C.A. Recovery, Inc. Harassing You?

A.C.A. Recovery, Inc. is a collection agency located in Ridgewood, New Jersey. The agency has been doing business since 1998 and also uses the names ACA Recovery and Accredited Collection Agency.

Contact Information

50 E. Ridge Ave. #395

Ridgewood, NJ 07450

Phone: (800) 356-3713

The Consumer Financial Protection Bureau (CFPB), a federal agency created to help ensure that consumers are not abused by companies in the financial industry, reports no complaints against A.C. A. Recovery, Inc. Since 2015, two consumers have filed complaints against the collection agency with the Better Business Bureau (BBB) and one consumer chose to write a review instead of filing a complaint. The review was posted in December of 2016 and alleges a customer service representative of the agency called her an obscene name when she returned a phone call to them. One of the complaints is not available to the public and the other claims that the company falsely represented that its phone calls are from an attorney and that it refuses to provide a statement showing the consumer's payments and the current balance of the debt. The Fair Debt Collection Practices Act (FDCPA) specifically prohibits debt collection agencies from falsely implying that letters or telephone calls are from an attorney and from using harassing or obscene language. Some other specific acts that the FDCPA prohibits include:

  • Calling consumers before 8:00 a.m. or after 9:00 p.m.
  • Falsely implying that a consumer has committed a crime or will be arrested for not paying a bill
  • Using any language that the natural consequence of which is to make a person feel abused
  • Threatening to take any action the collector does not intend to take
  • Allowing a consumer's telephone to ring continuously
  • Calling consumer's at work when they know the employer does not allow personal calls
  • Contacting a consumer after being asked in writing to stop
  • Failing to provide a consumer with basic information needed to verify a debt

The Act prohibits debt collectors from using many other unfair, abusive, and deceptive collection practices and this list is not all inclusive.

If you are being abused or harassed by A.C.A. Recovery, Inc. in its attempt to collect a debt, it is time they are held accountable for their actions. Please call our office at 1-800-219-3577, for a free, no obligation case review.

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