Frequently Asked Questions
Advocates for Consumers in Debt (ACD) is a dedicated advocacy group of counselors and lawyers. We help consumers exercise their rights under the Fair Debt Collection Practices Act (FDCPA) by stopping harassment and ensuring debt collectors/buyers follow federal law.
No. ACD never charges consumers. ACD only gets paid when debt collectors/buyers violate the law and are required to cover legal fees.
With your consent, ACD send a formal Cease and Desist letter and confirm delivery. After that, debt collectors/buyers are legally prohibited from contacting you.
According to the FDCPA, the collector/buyer must notify the Credit Bureau so that the consumer’s credit report reflects that the consumer is disputing the debt.
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.
Yes, and do not ignore it. You may then want to contact the Attorney representing the Debt Collector to see if you can manage a cash settlement (if you have the funds available), or a monthly settlement amount to avoid a judgment being taken against you. You can consult with a local Attorney to represent you in that Lawsuit. ACD can provide the names of some additional resources who may be able to assist you.