If you’ve been bombarded with relentless calls, threats, or aggressive letters from American Check Management, Inc., you’re not alone. This debt collection agency has a reputation for crossing legal boundaries, leaving consumers stressed and overwhelmed.
But here’s the truth: You have rights.
Federal law protects you from abusive debt collection practices, and if American Check Management Harassment has disrupted your life, you may be entitled to compensation.
In this guide, we’ll expose their most common illegal tactics, explain your legal protections, and provide a step-by-step plan to stop the harassment—for good.
Who Is American Check Management, Inc.?
American Check Management, Inc. (ACM) is a third-party debt collection agency that purchases old debts—often for pennies on the dollar—and aggressively pursues consumers for payment. They specialize in collecting on bounced checks, unpaid retail debts, and other consumer obligations.
Unfortunately, many consumers report American Check Management Harassment, including:
- Excessive phone calls (sometimes 10+ times a day)
- Threats of lawsuits, arrest, or wage garnishment
- False claims about legal actions
- Refusing to validate debts
- Contacting employers, friends, or family members
If you’ve experienced any of these tactics, you may be a victim of illegal debt collection practices.
Is American Check Management Harassment Illegal?
Yes. The Fair Debt Collection Practices Act (FDCPA) strictly prohibits:
Calling outside of 8 AM – 9 PM (your local time) Using abusive or threatening language Misrepresenting the debt or legal consequences Contacting third parties about your debt Continuing to collect after you dispute the debt
If American Check Management Harassment includes any of these violations, you can sue them—and win up to $1,000 per violation, plus attorney fees.
5 Signs You’re Dealing with American Check Management Harassment
How do you know if ACM has crossed the line? Watch for these red flags:
1. They Threaten Arrest or Jail Time
Debt collectors cannot have you arrested for unpaid checks or consumer debts. If they claim otherwise, they’re lying.
2. They Call Nonstop (Including at Work)
More than a few calls per day? Harassment. Calling after you’ve asked them to stop? Illegal.
3. They Refuse to Send Debt Validation
By law, they must provide written proof of the debt within 5 days of first contact. No proof? No legal right to collect.
4. They Contact Your Boss, Family, or Friends
Unless they’re trying to locate you, they cannot discuss your debt with others.
5. They Mislead You About Legal Action
Empty threats like “Pay now or we’ll sue!” are often just scare tactics.
How to Stop American Check Management Harassment
Step 1: Demand Debt Validation
Send a certified letter (keep a copy!) demanding proof of the debt. Under the FDCPA, they must respond within 30 days.
Sample Letter:
“Pursuant to the FDCPA, I dispute this debt and request validation. Cease all collection efforts until you provide proof.”
Step 2: Send a Cease & Desist Letter
If they keep calling, mail a formal cease-and-desist notice. After this, they can only contact you to confirm they’re stopping—or to notify you of a lawsuit.
Step 3: File Complaints
Report American Check Management Harassment to:
- Consumer Financial Protection Bureau (CFPB)
- Federal Trade Commission (FTC)
- Your State Attorney General
Step 4: Sue Them for Violations
If they ignore your demands, a consumer rights attorney can help you sue—with no upfront cost (they get paid when you win).
Can American Check Management Sue You?
Yes, but it’s rare. Most threats are bluffs—especially if:
- The debt is old (past your state’s statute of limitations)
- They can’t prove you owe it
- The amount is small (under $1,000)
If you are sued, DO NOT IGNORE IT. Respond within the deadline (usually 20-30 days) or risk a default judgment.
Fight Back Against American Check Management Harassment
Debt collectors rely on fear and confusion. But now, you know the rules—and how to use them.
Your Action Plan:
Record every call (check your state’s consent laws)
Send debt validation & cease-and-desist letters
File complaints with the CFPB & FTC
Consult a consumer attorney if harassment continues
Need Legal Help? Contact a Consumer Rights Attorney
If American Check Management Harassment won’t stop, these firms can help:
- Fair Debt Defense Attorneys (Nationwide FDCPA cases)
- Stop Collector Abuse Law Group (Free case reviews)
- Consumer Justice Warriors, PLLC (Specializes in suing abusive collectors)
Final Thought
You don’t have to tolerate bullying from debt collectors. American Check Management Harassment is illegal—and with the right strategy, you can shut it down.
Share this guide—someone you know might be fighting the same battle.