Agency of Credit Control, Inc. (ACC) is a Denver, Colorado collection and billing company that says it has collected since 1954. It works for healthcare, dental, utility, retail, law firm and property management clients and lists additional offices in Oklahoma City and Sarasota.
- Type
- Collection agency
- Also known as
- Agency of Credit Control, Inc.; ACC
- Headquarters
- Denver, CO
- Collects
- medical bills, dental bills, utility bills, retail accounts, rent and property management balances
- Phone numbers it lists
- (800) 655-6808, (303) 757-5147
- Website
- getitpaid.com
17 debt collection complaints were sent to the Consumer Financial Protection Bureau about Agency of Credit Control 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 Agency of Credit Control?
Agency of Credit Control, Inc. (ACC) is a billing and debt collection company headquartered at 2014 S. Pontiac Way in Denver, Colorado. Its website describes it as one of the older collection providers in the Rocky Mountain region, and its footer says it has been "collecting responsibly since 1954." The site lists NMLS ID 1855813 and two other locations, in Oklahoma City, Oklahoma and Sarasota, Florida, which share the Denver phone numbers.
ACC's office hours are 8 a.m. to 5 p.m. on weekdays. Its numbers are (303) 757-5147 locally and (800) 655-6808 toll-free. We did not find a CFPB enforcement action against Agency of Credit Control.
Why Agency of Credit Control May Be Contacting You
ACC says it serves local, regional and national clients in healthcare, dental, retail and utilities, and its industry pages add law firms and property management. Besides standard collections, it offers healthcare outsourcing, an account recovery program and pre-collection billing, so some of its letters go out on a provider's behalf before an account is formally placed in collection.
The most common reasons to hear from ACC are therefore a hospital, clinic or dental balance, a final utility bill after you moved, or rent or damages a landlord or property manager says you owe after a lease ended.
How to Check a Debt Agency of Credit Control Says You Owe
Final utility and rental balances often include charges you never saw itemized, so ask for detail.
- Read the validation notice for the creditor's name and the itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Check whether it is a pre-collection billing notice or a collection notice.
- Dispute in writing within the validation period. For a rental balance, ask for the move-out inspection, the damage invoices and the deposit accounting. For a utility, ask for the final meter reading and service dates. Our dispute guide explains the steps.
- For medical or dental bills, ask for an itemized bill and match it to your insurance Explanation of Benefits.
- Ask who owns the account now and whether any collection fee has been added.
- Check the dates. In Texas, suits on most debts must come 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). Colorado, Oklahoma and Florida have different rules.
What Agency of Credit Control Can and Can't Do
Because ACC collects consumer debts owed to its clients, it is a "debt collector" under 15 U.S.C. § 1692a(6). That brings specific limits:
- It may not add a fee unless your agreement or state law allows it (15 U.S.C. § 1692f(1)). See can a collector add fees?
- It may not report the account to a credit bureau before it has contacted you about it (12 C.F.R. § 1006.30(a)).
- It may not keep calling after you ask in writing that it stop, except to confirm it will stop or to tell you about a specific action (15 U.S.C. § 1692c(c)).
- Paid medical collections and those under $500 are no longer on national credit reports; see medical debt reporting changes.
If ACC's conduct seemed unfair, our Texas FDCPA attorneys page explains how we can help.
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 Agency of Credit Control 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
- Agency of Credit Control: home page
- Agency of Credit Control: Who we are
- Agency of Credit Control: Our locations
- CFPB enforcement actions list (checked pages 1-17)
- CFPB Consumer Complaint Database: Agency of Credit Control, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Agency of Credit Control has violated any law. Company details change; tell us if something here is out of date.