Is American Credit Acceptance calling you over and over — at work, early, late, or after you asked them to stop? You have more power here than you think. Federal law puts real limits on how a debt can be collected, and crossing those lines can turn their harassment into your leverage.
What collectors are NOT allowed to do
- Threaten you with arrest or jail for a debt.
- Pretend to be a lawyer, court, or government agency.
- Use profane, abusive, or threatening language.
- Lie about how much you owe or who they are.
- Call at clearly inconvenient times (generally before 8am or after 9pm).
- Discuss your debt with your family, neighbors, or coworkers.
- Keep calling your workplace after you’ve told them it’s not allowed.
How to make the calls stop
- Send a written dispute / validation request. This forces them to prove the debt and can pause collection until they do. Get the debt-validation letter →
- Send a written “cease communication” request. Under the FDCPA, once a collector gets this in writing they generally must stop contacting you (except to say what they’ll do next).
- Do it in writing, keep a copy, and send it so you have proof of delivery.
- Don’t confirm the debt on the phone in the meantime — make them put it in writing.
Document everything (this is your evidence)
Every call is potential proof. Keep a simple log: date, time, the number, who called, and what was said. Save voicemails and screenshots. If the calls broke the rules above, that record can support an FDCPA or TCPA claim — and can be powerful leverage if they ever sue you. See the free tools & letters →
MultiGen Law Institute is a consumer-advocacy organization, not a law firm, and nothing on this page is legal advice. We are not affiliated with, endorsed by, or connected to American Credit Acceptance. Laws vary by state and change over time; consult a licensed attorney in your state about your situation. Questions? Call 888-728-6069.