Stop Harassing Phone Calls. Call Us Today!

(423) 207-1300 or (615) 440-3746

Welcome to ACLC


At the Appalachian Consumer Law Center we represent people throughout the central Appalachian region, including consumers in Kentucky, Tennessee, Virginia, and West Virginia. Our clients are often victims of aggressive debt collection tactics. We also represent people who have trouble receiving government disability benefits (SSI) and those who want to declare bankruptcy. The Appalachian Consumer Law Center works on finding solutions to our clients’ problems. Call us today to schedule your free initial consultation. We can be reached at (423) 207-1300 and(615) 440-3746 or online. We will respond promptly to all inquires.

Successful Cases

2014 Cases

Portfolio Recovery Services v. Mikula
Midland Funding v. Laws
Midland Funding v. Turner
CACH v. Roberts
LVNV v. Hale
Midland Funding v. Collins
CACH v. Leonelli



Click here to see more.

What Collectors Can’t Do


A collector cannot…

  1. Contact you during work hours.
  2. Contact you before 8 a.m. and after 9 p.m.
  3. Mention your debt to others.
  4. Contact you after you have written to them to request that they cease communication.
  5. Use abusive, profane, or threatening language.
  6. Threaten you, with legal action or otherwise.
  7. Falsely represent or imply they are affiliated with law enforcement.



We advise you to keep all collection letters. The rules regarding collection letters are complex and lengthy—if you keep your letters and bring them in to us, we can determine if they contain something illegal. Oftentimes, they do.

In general, however, the basic rules of collections apply. In a letter, a collector cannot threaten you, use abusive language, or attempt to deceive you.



A collector cannot…

  1. Threaten you. Threats may include:
    1. Stating or implying that if you do not pay, you will be arrested or go to prison.
    2. Stating or implying that if you do not pay, your paycheck/wages will be garnished (unless they have a court judgment authorizing this).
    3. Stating or implying that if you do not pay, your land or home will be seized (unless they have a court judgment authorizing this).
  2. Use abusive or profane language.
  3. Attempt to deceive you/lie to you. Kinds of deceit include:
    1. Telling you that you owe more than you do.
    2. Pretending to be agents of law enforcement (police).
  4. Inform others about your debt.

If you suspect that a debt collector has engaged in any of the above behavior, please do not hesitate to contact us.