Capital Accounts LLC - Collection Complaints

June 13, 2019

Capital Accounts is a third-party collection agency based in Nashville, Tennessee. Capital Accounts has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as failing to verify debts and using false or misleading language in an effort to collect a debt. If Capital Accounts has contacted you about past due collection items, make sure you understand your rights before responding.


They’re legit. Capital Accounts is listed as a legitimate debt collection agency on the BBB profile page. They an assortment of debt collection tactics, such as collection letters, telephone calls, and skip tracing. They also take customers to court. The company’s strategy is to call customers within all “acceptable” calling hours to optimize contact. After an account is submitted for collection, they immediately send the customer a demand letter, and begin calling within 24 hours. To top it off, within 30 days, debts are reported on the three national credit agencies.



Capital Accounts, LLC
P.O. Box 140065
Nashville, TN 37214
Phone Number: 800-282-3214

Can Capital Accounts Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CA would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!


Capital Accounts Calling You?


Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).


But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.


Consumers have reported this agency harassing them from the following numbers:












Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies

  • You are receiving early morning or late night calls from debt collectors

  • You are receiving calls at work from a debt collection agency

  • Debt collectors are calling your friends, neighbors, or coworkers

  • Collectors are threatening you with violence, lawsuit, or arrest

  • A debt collector attempts to collect more than you owe

  • You are being threatened with negative credit reporting

  • A debt collector attempts to intimidate you

  • Criminal accusations are being made towards you

  • Use of obscene language during an attempt to collect

  • Automated robocalls are being made to your phone in an attempt to collect

We can make them STOP!✋


 At The Prado Law Firm, we can help!




On going Litigation Against Capital Accounts, LLC . brought on behalf of Georgia Consumers by the Prado Law Firm, LLC. 


To be filed July 13, 2019 -


Miller v. Capital Accounts, LLC (CLICK FOR DRAFT) - In the State Court of Cobb County In The State of  Georgia: 19-A-2585 - The Prado law firm brings a case agains Capital Account on behalf of Paul Miller for damages is based on Defendant’s repeated and unauthorized calls to Plaintiff and causing misleading statements and or acts of omissions in the attempt to collect a debt(s). Plaintiff seeks monetary relief based on Defendant’s violations of the Fair Debt Collection Practices Act (“FDCPA”) 15 U.S.C. § 1692, et seq., Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, et seq., and Georgia Fair Business Practices Act, O.C.G.A. § 10-1-390, et seq., Fair Credit Reporting Act., 15 U.S.C. § 1681s-2(b)., inter alia. (“FCRA”).and the invasion of Plaintiff’s privacy by the Defendant and its agents in their illegal efforts to collect a consumer debt.





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