The Law Office of Paul Mankin

Is the collection agency Action Collection Service, Inc. (MT) harassing you?

Action Collection Service, Inc. (MT)

Action Collection Service, Inc. was originally founded in Bozeman, Montana on April 1, 1994 by its owner, Dave Anderson. Action was later incorporated in the same state on September 9, 2009 and currently operates under Mr. Anderson as a corporate entity. Action Collection Service, Inc. is a general debt collector that performs collections services for retailers, utilities, landlords, property managers, dentists, clinics, physicians, veterinary, bad checks, attorneys, CPAs, banks, credit unions, cities, counties, schools, and others. They have an operating website and claim to provide 24/7 account access for clients (though apparently not for debtors).

Business address:

1105 Reeves Road Ste 6B

Bozeman, MT 59718-7725

Alternative mailing address:

PO Box 10905

Bozeman, MT 59719

Client/Business email: [email protected]

(406) 586-7744 (phone)

(800) 331-0722 (toll free)

Action Collection Service, Inc has an A+ rating from the Better Business Bureau (BBB) but is not BBB-accredited. Action’s BBB file was opened on January 7, 2015 and currently has a 1-star review average with no official BBB complaints. Action does, however, have one CFPB complaint on file. Montana’s Action Collection Service, Inc. is listed on Yelp but has not yet been reviewed.

While the Montana collector does not appear to have been involved in any major legal disputes, the complaints against it are pretty typical of consumers at the wrong end of the collections business. Namely, consumer complain that Action makes deceptive phone calls and leaves misleading or outright deceptive information in voice messages, and they have a habit of attempting to collect an amount other than what is actually owed.

The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect personal debts, including credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts. Under the FDCPA, debt collectors are, generally, allowed to call, send letters, send emails, or even send text messages to collect on debts, but they are not allowed to bother consumers at inconvenient times without the debtor’s permission or at locations such as a debtor’s place of employment unless personal calls are permitted by the employer.

Action Collection Service’s collection practices, as reported by consumers, may very well be unlawful under state and/or federal law. Consumer complaints regarding Montana collections agencies are handled by the Montana Office of Consumer Protection (OCP). 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. 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 24 hours per day.

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.