When a company called Assigned Credit Solutions, Inc. (often referred to simply as ACS) calls you about a debt you allegedly owe, it can be confusing, intimidating, and even stressful. Many consumers are unsure what ACS is, whether the debt is valid, and—most importantly—what their rights are under federal law. This article explains who Assigned Credit Solutions, Inc is, how debt collection works, what constitutes unlawful conduct, and what steps you can take to protect yourself and stop unwanted or unfair contact.



What Is Assigned Credit Solutions, Inc.?



Assigned Credit Solutions, Inc. is a firm that operates as a third-party debt collector. In other words, ACS reaches out to individuals in an attempt to collect debts that were originally owed to other companies. These debts may involve credit cards, medical bills, loans, or other financial obligations that were not paid to the original creditor.



Like other debt collectors, ACS does not typically originate credit or extend loans itself. Instead, it either purchases delinquent accounts or collects on behalf of creditors and debt buyers. This business model is common in the debt collection industry. However, just because Average Credit Solutions, Inc. is a legitimate business does not mean it is free to use any methods it chooses when contacting consumers. Federal law places important limits on how debt collectors may communicate and behave.



When Does ACS Contact You?



Assigned Credit Solutions, Inc. may begin calling you for any number of reasons. Most commonly, this happens because a creditor sold a debt to a third party or retained ACS to collect on accounts that have gone unpaid. Some consumers may hear from ACS months or even years after an alleged debt was incurred.



A phone call from ACS can be surprising—especially if you are unsure whether the debt is owed, how much it is, or whether the statute of limitations has expired. These uncertainties can make the experience stressful. That stress can be compounded if the calls are persistent, frequent, or aggressive.



When Contact Crosses the Line: Unlawful Practices



The Fair Debt Collection Practices Act (FDCPA) is the federal law that governs how debt collectors like Assigned Credit Solutions, Inc. may contact consumers. The FDCPA was enacted to protect people from abusive, deceptive, or unfair collection practices. Under this law, debt collectors must act responsibly and may not harass or take advantage of consumers—even if the debt is valid.



Examples of unlawful conduct under the FDCPA include:



Repeated or excessive calls that interfere with your daily life



Calls at unreasonable hours, typically before 8 a.m. or after 9 p.m.



Use of threatening or profane language



False threats of arrest, lawsuits, or other legal action when none are intended



Talking to third parties about your debt without your permission



Misrepresenting the amount owed or claiming to be someone they are not



If Assigned Credit Solutions, Inc. engages in these behaviors when trying to collect a debt, it may be violating your legal rights under the FDCPA.



Understanding Your Rights Under Federal Law



Even if ACS is attempting to collect a legitimate debt, you have legal protections. Under the FDCPA, you have the right to:



Request that ACS stop contacting you.

You can send a written request asking that all communications stop. Once received, the collector must stop calling you, except in certain limited circumstances.



Dispute the debt.

If you believe the debt is not actually yours, is inaccurate, or the amount is incorrect, you may formally dispute it in writing. ACS must then provide verification of the debt.



Know who is contacting you.

Collectors must identify themselves and the company they represent. They cannot impersonate lawyers, law enforcement, or others.



Receive accurate information.

The collector must be truthful about the amount owed and cannot threaten actions they have no intention of taking.



These rights empower you to take control of the situation instead of feeling overwhelmed by repeated contact.



What to Do When ACS Calls



If Assigned Credit Solutions, Inc. contacts you, there are practical steps you can take to protect yourself and address the situation properly:



Document every contact.

Write down dates, times, phone numbers, and what was said in each call. These records can be important if you need to challenge unlawful conduct later.



Ask for debt verification.

Within 30 days of first contact, you can request that ACS verify the debt. This forces them to provide documentation proving the debt belongs to you and showing the balance.



Send a written cease communication letter.

If the calls are harassing or unwanted, send a letter asking ACS to stop contacting you. Once they receive this letter, they must comply with your request, except for limited situations allowed by law.



Be cautious with information.

Do not provide personal or financial information over the phone unless you are sure the call is legitimate and you understand the implications.



When to Seek Legal Help



There are times when handling debt collection issues on your own becomes difficult or ineffective. If Assigned Credit Solutions, Inc. continues to contact you after you issued a cease communication request, makes false statements, or engages in threatening behavior, consulting with an attorney can be highly beneficial.



A qualified consumer rights attorney can:



Evaluate whether ACS violated the FDCPA



Advise you on how best to assert your rights



Help draft effective correspondence



Represent you if you pursue legal action to recover damages



Because the FDCPA allows consumers to recover actual damages, statutory damages, and attorney’s fees, taking action can sometimes lead not only to relief from harassment, but also compensation for harm suffered.



Final Thoughts



Being contacted by Assigned Credit Solutions, Inc. can feel stressful, especially if you’re unsure about the debt or fear being harassed. It’s important to remember that you have rights under federal law, and you do not have to accept abusive or unfair behavior.



Understanding what ASC is, how debt collection should work, and how to respond empowers you to take appropriate action. Whether you choose to dispute the debt, request that contact cease, or seek legal guidance, knowing your rights is the first step toward protecting your peace of mind and ensuring fair treatment in the debt collection process. You are not powerless, and there are legal tools available to help you regain control of the situation.