Is ACSI a Legit Debt Collector and How Should I Handle Them?

If you've been contacted by someone claiming to be an ACSI debt collector, it's important to do some due diligence before deciding exactly how to respond. Deciding how to deal with debt collectors and whether to try negotiating with them should always start with determining whether they're legit.

Because people do get scammed, it's always important to check the name of the debt collector and their company to ensure that you're not going to be taken advantage of. If the entire process makes you nervous, don’t fear.

This isn't something you have to tackle on your own. DoNotPay's Stop Debt Collectors feature can help you determine if a company is legit and even point you toward your next steps in handling your debt.

What Is ACSI and How Do They Work?

Figuring out how to deal with debt collectors, like ACSI, starts with understanding debt collection in general.

How Debt Collection Works

Debt collection agencies are legitimate businesses that work to collect people's delinquent debts. Third-party debt collectors often work for debt-collection agencies, though some operate independently. Some are also attorneys. Sometimes these agencies act as middlemen, collecting customers' delinquent debts—debts that are at least 60 days past due—and remitting them to the original creditor.

Here’s Why Debt Collectors Often Seem So Motivated:

• They often specialize in types of debts, meaning they're skilled and experienced
• Their pay is contingent on collecting delinquent debts
• They know they're working against a statute of limitations (generally one set by the state)

Debt collectors (or the agencies they work for) purchase packages of debts for pennies on the dollar. They then pursue payment from those who are in debt to cover their "investment" in purchasing the debt. When the debt is paid, they earn their profit.

How ACSI Works

ACSI stands for Automated Collection Services, Inc. ACSI is a legitimate debt collection agency.

ACSI provides collection services to the following types of agencies and institutions:

• Education
• Healthcare
• Government
• Financial

If you've been contacted by debt collectors working for ACSI, this isn't something you should just shrug off. These are not spammers or scammers. They're representing an organization to which you owe a legitimate outstanding debt. Instead of ignoring them, you should investigate your rights and decide on your next steps.

Your Rights When Dealing With ACSI Debt Collectors

ACSI fully complies with the Fair Debt Collections Practices Act (FDCPA). That means you can expect them to honor your rights during the process.

Your rights according to the FDCPA:

1. The right not to be contacted late at night or early in the morning
2. The right to request verification of the debt
3. The right to hire an attorney and have them work on your behalf
4. The right to keep your debt private from your family, friends, and employers
5. The right not to be threatened or harassed

If you believe an ACSI debt collector is violating your rights, you don't just have to sit and take it. You can file an official complaint.

How to Handle an ACSI Debt Collector with DoNotPay

A debt collector sent by ACSI won't just magically go away. Instead of ignoring the problem and hoping it will resolve itself, you can take concrete steps to stop the calls, even if you can't afford to pay your debt off in full today.

This is where DoNotPay can help. Instead of forcing you to do hours of research or contact a lawyer, we can help you deal with your ACSI debt collector.

Here's how it works:

1. Search “debt collection” on DoNotPay.

2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

Why Use DoNotPay to Stop ACSI Debt Collectors

Debt collectors can incessantly hound you to no end just to get back that debt that may either have been paid off or have reached the statute of limitations. DoNotPay can help you put a stop to them because we are:

• Fast - You don’t have to spend too much time searching for solutions to get them off your back.
• Easy - All it takes is three steps to stop ACSI debt collectors from harassing you.
• Successful - You can rest assured that we are making the best case for you.

What Else Can DoNotPay Do?

You don't have to try to handle debt collection issues alone. DoNotPay's simple-to-use features can help.

• Will debt collectors take my stimulus check?
• What's the best way to write a dispute letter to a debt collector?
• Do all states have the same laws regarding debt collectors?
• Do debt collectors ever stop trying to collect?
• Do all debt collectors try to take you to court?
• How does medical debt collection work?

We can even help you draft financial aid appeal letters, obtain clean credit reports, and find the missing money. Come learn about all the ways we can help simplify your life!