Action Collection Agencies, Inc. is a Middleboro, Massachusetts collection agency that says it has served clients for more than five decades. It collects mainly for healthcare providers, along with financial services companies and other businesses.
- Type
- Collection agency
- Also known as
- Action Collection Agencies, Inc.; ACA
- Headquarters
- Middleboro, MA
- Collects
- medical bills, charged-off financial accounts
- Phone numbers it lists
- (800) 478-7421
- Website
- actioncollection.com
28 debt collection complaints were sent to the Consumer Financial Protection Bureau about Action Collection Agencies, 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 Action Collection Agencies?
Action Collection Agencies, Inc. (ACA) is a collection agency with its office at 16 Commerce Boulevard, Unit #4, Middleboro, MA 02346, and a mailing address of P.O. Box 902 in Middleboro. Its website marks a 55th anniversary and says the company has spent more than five decades serving its clients. It lists one toll-free number, (800) 478-7421.
Collection agencies in other states use similar "Action" names. Check the address and phone number on your letter against the ones above before assuming which "Action" collector you're dealing with. We did not find a CFPB enforcement action against Action Collection Agencies.
Why Action Collection Agencies May Be Contacting You
ACA's website puts healthcare first. It offers revenue-cycle services and debt collection to healthcare providers and says local, multi-state and national businesses and healthcare providers rely on it. It also offers outsourced collections and charge-off recovery to financial services companies, and it mentions serving other industries without naming them.
So an ACA letter may concern a hospital, physician or other medical bill, or a charged-off loan or credit account placed by a financial institution.
How to Check a Debt Action Collection Agencies Says You Owe
For a medical account, the main risk is paying a balance that insurance should have covered. For a financial account, it is paying a balance you can't trace.
- Start with the validation notice. It must name the provider or lender and itemize the balance from a specific date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. For medical bills, ask for the itemized bill and insurance payment history. For financial accounts, ask for the last statement and the charge-off balance. See validation notices explained.
- Contact the provider's billing office about financial assistance or a billing error; some providers will recall an account from collection to fix one.
- Confirm the owner. Ask whether the original provider or lender still owns the account.
- Look at the age of the debt. In Texas, suits on most consumer debts 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). Massachusetts and other states have their own deadlines.
What Action Collection Agencies Can and Can't Do
An agency that collects medical and financial accounts for its clients is a "debt collector" under 15 U.S.C. § 1692a(6). For ACA:
- Paid medical collections, and medical collections under $500, no longer appear on the three national credit bureaus' reports. See medical debt credit reporting changes.
- It cannot call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)). See call limits.
- It must stop contacting you, with narrow exceptions, if you ask in writing (15 U.S.C. § 1692c(c)).
- It cannot misstate who it is or falsely imply that it is a law firm or government agency (15 U.S.C. § 1692e).
Concerned about how ACA collected? 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 Action Collection Agencies 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
- Action Collection Agencies: home page
- CFPB enforcement actions list (checked pages 1-17)
- CFPB Consumer Complaint Database: Action Collection Agencies, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Action Collection Agencies has violated any law. Company details change; tell us if something here is out of date.