AAA Collections, Inc.: Who They Are and Your Rights

Type

Collection agency

Also known as

AAA Collections; Advanced Asset Alliance

Headquarters

Sioux Falls, SD

Website

aaa-coll.com

56 debt collection complaints were sent to the Consumer Financial Protection Bureau about AAA Collections from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is AAA Collections, Inc.?

AAA Collections, Inc. is a collection agency in Sioux Falls, South Dakota. Its website advertises "proven success since 1965" and says the same family has owned and managed the business for more than five decades. Its BBB profile lists the office at 3500 S. First Avenue Circle, #100, an incorporation date of May 18, 1965, Kade Nelson as president, and "Advanced Asset Alliance" as an alternate name. The site says the company is a member of ACA International, the collection industry's trade group. The Texas Secretary of State's records show an active Texas debt collector bond for AAA Collections Inc, filed in October 2009 at the Sioux Falls address. We did not find a CFPB enforcement action against AAA Collections.

"AAA Collections" is a common name, and unrelated agencies in other states use it. Check that the letter comes from Sioux Falls before you assume this page is about your collector.

Why AAA Collections May Be Contacting You

The company's website speaks to businesses with defaulted accounts and says it works for clients "of all sizes from industries of all types." It does not list particular creditors or debt types, so the notice itself is the best guide to what the account is. Because it is a long-established local agency, many of its accounts likely come from businesses in South Dakota and neighboring states, but confirm the creditor rather than guessing. The site offers an online payment portal for consumers.

How to Check a Debt AAA Collections Says You Owe

• Start with the creditor's name. The validation notice must state who you owed on the itemization date and who you owe now (12 C.F.R. § 1006.34(c)). If the business is unfamiliar, it may be a billing name for a provider you did use.
• Compare the balance with your final bill and any insurance payments or adjustments you were promised. The notice must itemize interest, fees, payments and credits since the itemization date.
• Dispute in writing within the validation period (15 U.S.C. § 1692g(b)). AAA Collections must then stop collecting until it sends verification. See validation notices.
• Keep copies of every letter and payment confirmation, especially for small local accounts that may have been paid partly to the creditor and partly to the agency.
• Watch the age of the debt. In Texas, most debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). South Dakota and other states have their own deadlines.

What AAA Collections Can and Can't Do

As an agency collecting debts owed to its clients, AAA Collections is a "debt collector" under 15 U.S.C. § 1692a(6).

• It may not call before 8 a.m. or after 9 p.m. your local time (15 U.S.C. § 1692c(a)(1)); see calling hours.
• If you tell it in writing to stop contacting you, it must stop, except to confirm that or to tell you about a specific action it may take (15 U.S.C. § 1692c(c)).
• It may not call you at work if it knows your employer forbids such calls (15 U.S.C. § 1692c(a)(3)).
• It may not add charges that neither your agreement with the creditor nor the law allows (15 U.S.C. § 1692f(1)).

For help with a collector that broke these rules, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If AAA Collections, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• AAA Collections: home page
• AAA Collections: Our history
• BBB business profile: AAA Collections, Inc. (Sioux Falls, SD)
• Texas Secretary of State debt collector bond search (AAA Collections Inc)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: AAA Collections, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that AAA Collections, Inc. has violated any law. Company details change; tell us if something here is out of date.