A. C. Wilson & Associates Phone Harassment – Your Rights Explained

If A. C. Wilson & Associates is calling you over and over about a debt—especially when the calls feel threatening, misleading, or impossible to ignore—you have legal protections. Debt collectors are allowed to collect valid debts, but the law limits what they can do. If ACW is using unfair or abusive tactics, they may be violating your rights under the federal Fair Debt Collection Practices Act (FDCPA).

What Behavior May Be Illegal

Debt collectors are prohibited from certain actions. If A. C. Wilson & Associates is doing any of these, it might be harassment:

Repeated or Excessive Calls

Being called many times a day or week, especially after you've asked them to stop or block their number.

Threats, Misleading or False Information

Stating you will be arrested, sued, or have wages garnished when those actions are not legal or haven't been filed. Or misrepresenting what the debt is or who it belongs to.

Contact at Inappropriate Times or Locations

Calling very early in the morning or very late at night, or calling you at work after you’ve asked them not to.

Ignoring Your Written Requests

If you send a cease-and-desist letter or ask for proof of the debt (validation), and ACW continues calling aggressively, that may be a violation.

If these sound familiar, you may be experiencing A. C. Wilson & Associates phone harassment, and you have rights to stop it.

What You Can Do to Protect Yourself

Keep Detailed Records

Write down every call: date, time, caller ID, what was said, and any threats. Save voicemails, letters, and screenshots if texts/emails are involved.

Request Debt Validation

You can demand in writing that ACW prove the debt is yours. They should provide information like the original creditor, the amount owed, and any documentation.

Send a Cease-and-Desist Notice

Write and send a formal letter telling them to stop contacting you. After they get it, they must stop most of the calls except under limited circumstances.

Seek Legal Assistance

If the harassment continues, a lawyer specializing in consumer rights can help you understand options, possibly pursue damages, and stop more violations.

For more guidance, see this detailed resource on A. C. Wilson & Associates phone harassment.