Retail Debt

Welcome to our retail debt informational web page for consumers owing debts to businesses, retail stores or services purchased from businesses. Our goal is to help you find a satisfactory solution to repayment of your outstanding debt placed with ACSI. Thank you.

We are here to help you

Our goal is to provide you with information so you may make a decision on the best solution to resolve your delinquent debts. If you do not see a solution, please call our office so we may help you personally.

We understand some individuals prefer to receive information on line rather than talk to a representative on the telephone. Our representatives are available to help you and explain the policies of our clients.

FAQs

Can I pay less than I owe to resolve this debt?

Typically, client policies determine what options are available to you in repaying your debt. Creditors may settle accounts for less than what is owed, however it is specific to the creditor policies. Settlements may include a reduction of a specific percentage based upon various factors such as age, balance or specific debt type.

We suggest you contact our office to determine what options are provided by your creditor. Please see the contact page for your most convenient method of communication preference.

Do you have an option to repay or make payments without calling ACSI’s office?

Yes, while our representatives are available to help you, we do offer other methods. You can always mail a payment to our office. If you prefer to pay online, please click on the Make a Payment button above to be taken to our secure payment website. To logon, use the account number on the first letter we sent to you. Or, for your convenience, please click on CONTACT listed above for options to communicate with our office by department. You may also complete the online form to send a message. Our staff is dedicated to helping you by explaining your choices so you may decide the best resolution.

For your protection, you will be asked to confirm your identity when contacting ACSI.

Will you accept monthly payments if I cannot pay the total amount of my bill?

Yes, we are here to help you and monthly payments can be made by visiting our payment website clicking on Make A Payment, or you may telephone our office at the toll free telephone number listed above under Contact. If you cannot afford the minimum payment offered online, please call our office and we may be able to offer you a temporary payment program to fit your circumstances. Please keep in mind based upon the type of your debt or who the creditor is may limit options available to you.

If I prefer to communicate by email or text, is that possible?

Yes, please select the Contact option above for additional communication options. You may also use the form response option at the bottom of the contact page. Please take note, personal information may be exchanged so please ensure you are communicating by a method that is personal and private to your use.

Our friendly representatives are available to help you via any method you select including by telephone. Please don’t hesitate to contact ACSI as we are sincere in our desire to help you find the best solution to resolving your delinquency.

If I have a dispute in the amount I owe or for some other reason what should I do?

Please go to our Contact page and please fill out the online form to contact us. We ask that you explain the reason for your dispute including information supporting your dispute. Please put dispute in the subject line to classify your inquiry. Our staff will acknowledge your communication and please keep in mind it may take time to review and obtain information regarding your dispute. We will respond once the information is received.

If your dispute is of an urgent issue, please call our Consumer Help Line to provide personal assistance.

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.