Associated Credit Services, Inc. is a Tewksbury, Massachusetts accounts receivable management and contact center company that has collected past-due accounts since 1969. If it contacts you, it is working an account for one of its business clients.
- Type
- Collection agency
- Also known as
- Associated Credit Services, Inc.; ACS
- Headquarters
- Tewksbury, MA
- Phone numbers it lists
- (508) 366-0888, (800) 531-6500
- Website
- acsrecovery.com
325 debt collection complaints were sent to the Consumer Financial Protection Bureau about Associated Credit Services, 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 Associated Credit Services?
Associated Credit Services, Inc. (ACS) describes itself as a provider of "contact center solutions and accounts receivable management" and uses the tagline "since 1969." Its website lists a mailing address at PO Box 1201 in Tewksbury, Massachusetts. The company's BBB profile gives a 1969 start date, a 1971 incorporation date, a Tewksbury street address, and about 120 employees, and it names Andrew B. Robinson as president. The site displays ACA International membership and a notice that communications from the company are from a debt collector.
Why Associated Credit Services May Be Contacting You
ACS says it serves a "diverse nationally recognized client base" but does not publish a list of clients or the kinds of accounts it handles. Its BBB profile adds that it builds high-volume call handling for enterprises and offers Spanish-speaking agents. What that means for you: the creditor's name on the ACS notice is the key fact, because ACS itself is a service provider acting on someone else's account. If you don't recognize the creditor, don't assume the debt is yours.
How to Check a Debt Associated Credit Services Says You Owe
With an agency that works for many types of clients, start by pinning down exactly whose account this is.
- Read the validation notice line by line. Federal rules require a notice that names the current creditor, gives an itemization from a reference date and states the last day to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Send a written dispute before that date. Ask for the original account number, the date of default and a copy of the last statement from the creditor. Collection must pause until ACS responds with verification.
- Ask whether the debt has been sold. An agency collecting on behalf of the creditor is different from a debt buyer that owns the account, and the answer affects who can settle it.
- Reconcile the balance. Look for interest or fees added after charge-off and compare them to your contract.
- Check the date. In Texas, a suit on most consumer debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers are barred from suing on time-barred consumer debt (Tex. Fin. Code § 392.307). Limitation periods differ in other states.
What Associated Credit Services Can and Can't Do
Because ACS regularly collects debts owed to others, it is a "debt collector" covered by the FDCPA (15 U.S.C. § 1692a(6)). In practice that means:
- A high-volume call center still has to respect the Regulation F call frequency presumption: no more than seven calls in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- If you tell ACS that calls at work are not allowed, it must stop calling you there.
- It must honor a written request to stop contacting you, apart from limited notices (15 U.S.C. § 1692c(c)).
- It may not threaten a lawsuit that its client has not authorized or does not intend to file.
We did not find a CFPB enforcement action against Associated Credit Services. For help with a collection problem, visit our Texas FDCPA attorneys page or our Q&A on stopping collection calls.
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 Associated Credit Services 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
- Associated Credit Services: home page
- BBB business profile: Associated Credit Services, Inc.
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Associated Credit Services, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Associated Credit Services has violated any law. Company details change; tell us if something here is out of date.