The Law Office of Paul Mankin

Is the collection agency ACL Adjustment Associates, Inc., harassing you?

Founded on July 1, 1990, ACL Adjustment Associates, Inc. has operated in New Jersey for more than 29 years. With fewer than ten employees, ACL is a closely held collections company that is managed by its founder and president, Tony Labrosciano.

165 Central Avenue

Hasbrouck Heights, NJ 07604-1306

(201) 288-7144 (phone)

(877) 288-7144 (alt. phone)

One additional phone number associated with ACL’s collection efforts is (716) 406-4447.

A Better Business Bureau (BBB) file was opened for ACL Adjustment Associates, Inc on February 16, 2010 but does not report any consumer complaints or reviews. The collector is not BBB accredited but does maintain an A+ rating.

ACL Adjustment Associates appears by all accounts to operate in its client’s interests without stirring up contention and complaints among the targeted consumer community. ACL does not have an extensive or consequential litigation record, and no consumer complaints appear to have been reported to private or public consumer reporting agencies like the CFPB.

It is against federal debt collection regulations to engage in certain annoying and unkind acts in furtherance of pursuing repayment of a debt, including: calling before 8:00AM or after 9:00PM, calling repeatedly or even just a few times per week (no matter how many different phone numbers they use), calling your place of work if you are not permitted personal calls, calling you after you have made an unmistakable request for them to stop calling, using profanity or other threatening language, and other intimidating actions. It is also unlawful for collectors to misrepresents who they are and what the purpose of their communication is, as well as for them to attempt collection on an amount more than you owe or to collect from someone who is not legally responsible for the debt. These actions, each and all, amount to collector harassment, and you have the right to be free of this behavior.

To learn more about how the federal government regulates debt collection and protects debtors and other individuals from collector harassment, see FTC Debt Collection pamphlet. Consumers who believe they have been cheated or scammed by a business, or suspect any other form of marketplace abuse, can file a complaint with the New Jersey Division of Consumer Affairs by visiting its website or by calling 1-800-242-5846 (toll free within New Jersey) or 973-504-6200. Complaints regarding a collector in any state may be filed with the Federal Trade Commission at or (877) FTC-HELP (877-382-4357), and complaints regarding any collector or other business can be made at BBB complaints.

If you believe you have a claim for collector harassment or are a victim of another violation of state or federal debtor’s rights, you should speak with a consumer rights attorney or debt collector harassment lawyer immediately. Contact us today at 1-800-219-3577 to discuss your matter and see how we can help at no cost to you.