Accredited Collection Service: Who They Are and Your Rights

Type

Collection agency

Also known as

Accredited Collection Service, Inc.; ACS; Fasttrack

Headquarters

Papillion, NE

Collects

past-due accounts placed by its clients

Phone numbers it lists

(402) 331-0103, (877) 331-0103

Website

acsomaha.com

27 debt collection complaints were sent to the Consumer Financial Protection Bureau about Accredited Collection Service, Inc. 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 Accredited Collection Service?

Accredited Collection Service, Inc. is a Nebraska collection agency. Its Better Business Bureau profile lists an office at 714 Tara Plaza in Papillion, a suburb of Omaha, gives an incorporation date of March 6, 1984 and a business start date of May 1, 1984, and lists Michelle Krecklow as CEO. The BBB also lists "Fasttrack" and "ACS" as alternate names. The company's own website gives a mailing address of P.O. Box 27238, Omaha, Nebraska 68127.

The company's site says its goal is to collect balances in full or negotiate payment arrangements, and its menu lists early-out services and litigation alongside regular collections.

Why Accredited Collection Service May Be Contacting You

Accredited Collection Service does not publish a client list. Its website refers only to "our clients," so the business you owed will be named on your notice. Because it lists early-out services, you may hear from it on a bill that is only recently past due, when it is working on behalf of the business before the account is treated as bad debt. Because it lists litigation services, it may also be involved when a client decides to sue.

The company's published numbers are (402) 331-0103 and (877) 331-0103.

How to Check a Debt Accredited Collection Service Says You Owe

When the agency does not tell the public who it works for, the validation notice is where you learn the most.

• Identify the creditor from the notice. Federal law requires the notice to name the creditor, itemize the debt and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing by the deadline. The agency must then stop collecting until it mails verification. Ask for the original bill and the date of your last payment.
• Confirm ownership. Ask whether the original business still owns the account or has sold it.
• Look for duplicate collections. If another agency has contacted you about the same bill, point that out.
• Check how old it is. In Texas, most suits on a debt must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Nebraska and other states set their own limits.

What Accredited Collection Service Can and Can't Do

A third-party agency is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumer debts for others. Key limits:

• It may not misrepresent whether a lawsuit has been filed or is planned (15 U.S.C. § 1692e(5)).
• If it does sue, the case must be filed where you live or signed the contract (15 U.S.C. § 1692i).
• It may not discuss your debt with your employer or neighbors, beyond limited location requests (15 U.S.C. § 1692c(b)).
• It must presumptively keep calls to seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)); our Regulation F article explains this.

We did not find a CFPB enforcement action against Accredited Collection Service. If you have concerns, 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 Accredited Collection Service 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

• Accredited Collection Service: home page
• Accredited Collection Service: Contact
• Accredited Collection Service: Services
• BBB business profile: Accredited Collection Service, Inc. (facts only)
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Accredited Collection Service, Inc., debt collection

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