Frequently Asked Questions
ACD is a dedicated advocacy group of counselors and lawyers. We help consumers exercise their rights under the FDCPA by stopping harassment and ensuring collectors follow federal law.
No. We never charge consumers. We get paid only when debt collectors violate the law and are required to cover legal fees.
With your consent, we send a formal Cease and Desist letter and confirm delivery. After that, collectors are legally prohibited from contacting you.
- Manage your budget: Gain breathing room while following a debt plan.
- End harassment: Stop constant calls and messages.
- Verify accuracy: Force collectors to prove the debt is valid.
If they violate the FDCPA, our legal team can sue them at no cost to you. You may receive up to $1,000 in damages, and the debt is often eliminated.
It’s possible, though not always likely. If it happens, we can refer you to a defense attorney, guide settlement options, or help you find local legal representation.