Account Liquidation Services Phone Harassment — Your Rights & What To Do
Getting nonstop calls, threats, or repeated demands from Account Liquidation Services can be overwhelming and stressful. However, debt collectors are not free to intimidate or harass you. If you are facing Account Liquidation Services phone harassment, you have legal protections and options to put a stop to it.
What Is Account Liquidation Services & When Harassment Happens
Account Liquidation Services is a company that may act as a debt collector—attempting to recover unpaid balances for creditors. When a debt becomes delinquent, they might contact you frequently. While debt collection itself is lawful under regulated environments, harassment occurs when certain lines are crossed.
Common abusive behaviors include:
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Placing dozens of calls per day
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Calling at odd hours (early morning, late night)
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Threatening legal action, wage garnishment, or property seizure without basis
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Failing to provide a written debt validation notice
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Misrepresenting the amount owed or legal status
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Disclosing your debt to friends, family, or coworkers
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Ignoring your written requests to stop contacting you
If you’re enduring any of these, you may be dealing with illegal harassment.
👉 If you are experiencing Account Liquidation Services phone harassment, you have rights and ways to defend yourself.
Your Protections Under the Fair Debt Collection Practices Act (FDCPA)
The FDCPA is a federal law that restricts unfair, abusive, or deceptive behavior by third-party debt collectors. If Account Liquidation Services qualifies as such, several key protections apply:
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No harassment or abuse: Collectors cannot use threats, profanity, or repeated calls intended to intimidate.
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Call time limits: They may only call between 8 a.m. and 9 p.m. local time, unless you agree otherwise.
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Right to validation: Within five days of first contacting you, they must send a written notice including the amount owed, original creditor, and your right to dispute.
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Right to dispute: You have 30 days from receiving the validation to challenge the debt in writing. Collection must pause until verification.
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Cease communication request: You can demand in writing that all contact stop. Once received, only limited legal notifications can continue.
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Truthful representation: They cannot misstate what you owe, threaten action they can’t take, or falsely claim they are attorneys.
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Privacy safeguards: They cannot talk to third parties (friends, family, coworkers) about your debt beyond narrow exceptions.
Violations of these rules may give you legal grounds to recover damages, legal costs, and statutory penalties.
What Steps Should You Take If You’re Being Harassed
If Account Liquidation Services is contacting you aggressively, follow these steps to protect yourself:
1. Document Every Contact
Write down every call: date, time, phone number, name of caller, and what was said. Save voicemails, texts, letters, emails, and any recordings (if permitted in your state).
2. Avoid Verbal Promises
Do not agree to pay or admit that you owe the debt over the phone until you receive written proof.
3. Request Written Validation
Send a letter demanding that Account Liquidation Services validate the debt. They must provide documentation before resuming collection.
4. Dispute the Debt If It Is Incorrect
If you believe the debt is wrong—wrong amount, identity, or already paid—send a written dispute within 30 days. They must cease collection while verifying.
5. Send a Cease and Desist / Stop Contact Letter
If harassment continues, send a written demand telling them to cease communication. After they receive it, the only permitted contact is limited legal notices.
6. File Complaints with Authorities
You can file complaints with your state attorney general, the Consumer Financial Protection Bureau (CFPB), or the Federal Trade Commission (FTC) for violations.
7. Consult a Consumer Rights Attorney
If the abuse persists, a qualified attorney can evaluate your case, help you file suit, and pursue compensation while enforcing lawful protection.
How Consumer Rights Law Firm PLLC Can Help
At Consumer Rights Law Firm PLLC, the legal team specializes in defending consumers against collection harassment. When Account Liquidation Services oversteps, they can step in.
They offer:
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Free case evaluation at no cost
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No upfront fees — you pay only if they win
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Experienced advocacy in consumer protection and debt laws
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Swift legal action that often forces abusive collectors to back off
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Compensation pursuit for emotional distress, statutory damages, and attorney’s fees
Often, the presence of skilled counsel alone is enough to halt harassment.
Why You Should Take Action Immediately
Every abusive call or threat chips away at your peace of mind. Delaying can allow the behavior to worsen or your rights to be eroded. Also, legal claims have time limits (statutes of limitation). Acting promptly preserves evidence and strengthens your case.
Even if the debt is valid, that does not give collectors the right to harass or threaten you unlawfully.
Conclusion
If you’re enduring Account Liquidation Services phone harassment, remember: the law protects you. Harassing practices are not acceptable, and federal statutes like the FDCPA empower you to stop abuse, demand respect, and seek compensation.
Reach out to Consumer Rights Law Firm PLLC for a free consultation. Their experienced attorneys can help you end the calls, enforce your rights, and pursue relief. Don’t let a collector bully you—take action today.
