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That wasn't his real name.  Nobody at ACS uses a real name.

This number has been calling me many times a day and never answer when I pick up. Isn't this harassment because I am on the do not call list

John Curran
Experienced Collection Agent

Spencer, MA
Work Experience
TRAINER
Associated Credit
2002 to 2012
Taught new hires in a step-by-step fashion strategies to:
- negotiate with people in difficult situations
- handle billing disputes
- arrange payment plans.
Collection Agent
Associated Credit - Westborough, MA
2000 to 2012
COLLECTION AGENT
Associated Credit
2000 to 2012
Recognized as a "top tier" collector; often ranked 2nd of 40 collectors for company doing business nationwide.
- Handled telephone collections from individuals and commercial accounts including utilities collections.
- Customized payment plans or made repayment arrangements that resulted in customer satisfaction and repayment.
- Resolved billing disputes.
- Processed electronic payment transactions.
- Used skip tracing techniques to locate debtors.
COLLECTION AGENT
Metropolitan Collection Agency - Brookline, MA
1995 to 2000
Facilitated payment of outstanding balances (personal and commercial accounts).
- Worked with customers to resolve billing complaints and set up payment plans.

Bank Collections
Education
North Shore Community College - Beverly, MA
diploma
St Mary's High School - Lynn, MA
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Updated: November 4, 2012

Spencer, MA
Work Experience
TRAINER
Associated Credit
2002 to 2012
Taught new hires in a step-by-step fashion strategies to:
- negotiate with people in difficult situations
- handle billing disputes
- arrange payment plans.
Collection Agent
Associated Credit - Westborough, MA
2000 to 2012
COLLECTION AGENT
Associated Credit
2000 to 2012
Recognized as a "top tier" collector; often ranked 2nd of 40 collectors for company doing business nationwide.
- Handled telephone collections from individuals and commercial accounts including utilities collections.
- Customized payment plans or made repayment arrangements that resulted in customer satisfaction and repayment.
- Resolved billing disputes.
- Processed electronic payment transactions.
- Used skip tracing techniques to locate debtors.
COLLECTION AGENT
Metropolitan Collection Agency - Brookline, MA
1995 to 2000
Facilitated payment of outstanding balances (personal and commercial accounts).
- Worked with customers to resolve billing complaints and set up payment plans.

Bank Collections
Education
North Shore Community College - Beverly, MA
diploma
St Mary's High School - Lynn, MA

Who is ACS?

SHUT UP ....YOU MUST BE ONE OF THOSE A--HOLES THAT MAKES A PHONE CALLS

to rephrase the last post.. Yes Princess Cindy Burwick now owns 50% of Associated Credit Services and she  fired Rich Gagnon.

Gagnon came back to the new westboro office and he kept clashing with Princess Cindy..she eventually canned him so i guess that's karma as i'm a firm believer of what goes around comes around.Princess Cindy is no 50% of the company and everyone who is still there is job hunting. and Gags is now working at Delta in Chelsea as a trainer.. and it does feel great not to have to work at that miserable dead end job anymore

well i just want to thank who ever barrackbush is for the kind words.. i am a lot happier now where i am and i can actually say thank you to acs for letting me go (although it would have been nice to be able to have been let go face to face but we all know why he did it that way)

I'm sure your just another bottom feeding debtor who spends money that you don't have and does not live within your means and cries when you get a collection call. Go ahead file your silly little complaint which will end up in the bottom of a waste basket anyway. I love these idiots who complain here. all bark no bite.

stop calling me on your 800 or unlisted number. I am not the debtor. A formal complaint has been filed with the FCC.  My number is on the do not call federal registry. Your attempts to contact a non debtor are in violation of all Fair Credit and Collection, Banking and Consumer Protection Laws.  Continued harassment will lead to formal charges.

Its funny for the past few years Associated credit has been getting rid of their veterans some have been there over 20 years and even have worked at the old Elm St. Worcester office.... What is interesting is there is 1 veteran left still working there who happens to be Jewish just like the owners. This collector is not even good either he is one of those people who can't collect but needs to fish for call in payments that are open rather than is his queue. And whats even funnier is he could have retired and collected social security over 6 years ago. brockton to westboro must be like $75 a week in gas. You know who u r

sounds like a realistic situation.

And Mickey D's is one step up from ACS. I noticed on the other site "who calls me" a post of how ACS is being sued for harrassing a pregnant woman causing her to go into pre mature labor. The article was in the Boston and Worcester papers. Does anyone know a fax or a email we can get this to TD bank collections/recovery department ? The woman's name is Nina Scott from grafton ma.

nice job. one step up from micky d's

LIKE I SAID BEFORE I WORK FOR TD BANK RIGHT NOW AS JUST A TELLER SO I REALLY DONT HAVE ANYTHING TO DO WITH OUR RECOVERY DEPARTMENT AS OF NOW BUT THEY DID OFFER ME A POSITION TO BE WORKING IN OUR RECOVERY DEPARTMENT BECAUSE OF MY COLLECTIONS EXPERIENCE WITH A LITTLE BIT OF A BETTER PAY. IF I DECIDE TO TAKE IT ILL SEE HOW EVERYTHING WORKS, AND ILL ASK THE PEOPLE WORKING IN OUR DEPARTMENT WHAT THEY THINK OF THIS SHADY COMPANY. IT WOULD BE A DREAM COME TRUE TO LISTEN THEIR RECORDINGS THAT THEY SEND US, I WOULD FIND DOZENS OR MORE FDCPA VIOLATIONS FOR SURE. THE ONLY UNFORTUNATE THING IS THAT FOR WHATEVER REASON OUR BANK GIVES THIS AGENCY THE MOST LEE-WAY BETWEEN WHAT YOU CAN AND CANT DO WHEN TALKING TO A DEBTOR, WHICH BEING HONEST IS OUR FAULT AND I DEFINITELY THINK WE SHOULD CHANGE THAT

I used work in Hopkinton and now work with 4 other fellow former ACS employees and we like to read these posts to see how this company is doing these days. Anything we can do to get TD Bank to can them please let us know because we all hate them as well and let the the debtors they harass know who come to these sites as well. I still have 7 friends who also used to work there I keep in touch with and I don't mean facebook friends and I and most of them left on our own as we were driven out and we would like to see nothing more than Cindy and Andy unemployed. 2013 ACS LOSES TD BANK MAKE IT HAPPEN!!!!!!

THIS IS TAKEN FROM THE ACS WEBSITE IN THE EMPLOYMENT FIELD:

Associated Credit Services is located at 115 Flanders Road, Suite 140, Westborough, MA 01581. As we continue to experience rapid growth, a number of opportunities exist in both the Recovery and Administrative departments.

Associated offers salary, plus commission to all employees. In addition we offer 3 weeks per year of personal/vacation time, a choice of HMO plans, 401(k) with matching company funds, overtime wages and several other incentives.

FIRST OF ALL-THIS COMPANY IS NOT EXPERIENCING RAPID GROWTH, ITS ACTUALLY INCREASING THE COMPLETE OPPOSITE LOL. THE 3 WEEKS PER YEAR PERSONAL/VACATION TIME IS NOT AVAILABLE TILL YOU'VE BEEN WITH THE COMPANY FOR AT LEAST ONE YEAR AND THE PROBLEM WITH THAT IS THAT MOST PEOPLE DONT EVEN LAST A FEW MONTHS BECAUSE MOST REALIZE HOW UNPROFESSIONAL THIS COMPANY IS. THE HEALTH PLAN THIS COMPANY IS HORRIBLE, PROBABLY ONE OF THE WORST IN BUSINESS. THIRD AND MOST IMPORTANTLY THIS COMPANY DOES NOT OFFER MATCHING COMPANY FUNDS WHEN IT COMES TO 401K PLANS, NOT EVEN A PENNY, ANDREW ROBINSON JUST KEEPS ALL THE MONEY TO HIMSELF, CINDY BIRWICK AKA MS. PRINCESS AKA LAUGH AT HER OWN JOKES AKA MISS ADHD AND HER MENTALLY SLOW FATHER. THIS COMPANY IS TRASH

I THOUGHT THIS COMPANY HAD CLOSED DOWN COMPLETELY. LAST TIME I HEARD THEY CLOSED THE OFFICE IN LOWELL, WHICH I'M PRETTY SURE IT'S TRUE. I FIGURED THAT THEY WOULD CLOSE THE OFFICE IN WESTBOROUGH AS WELL, BUT I GUESS I WAS WRONG. HERE'S THE THING, I WORKED FOR THIS COMPANY IN HOPKINTON MA. I CAN TRULY SAY, THIS IS THE MOST UNPROFESSIONAL COMPANY I'VE EVER WORKED WITH. FROM WHAT I'VE HEARD THEY'VE LOST ALOT OF CLIENT SINCE THEN, WELLS FARGO BEING ONE OF THOSE, AND ACCORDING TO SOMEONE WHO STILL WORKS THERE TODAY, HE SAID THIS COMPANY ALMOST LOST USAA FEDERAL SAVINGS BANK. THIS CLIENT REQUIRES ALL CALLS TO BE RECORDED BUT THIS COMPANY DID NOT RECORD ALL CALLS, SO THE CLIENT WAS ON THE BRINK OF PULLING ALL OF THEIR ACCOUNTS BACK. THE REASON WHY THE CALLS WEREN'T BEING RECORDED WAS BECAUSE WHENEVER THEY TRANSFER ANY CALLS TO ANOTHER COLLECTOR, THE CALLS WILL NOT BE RECORDED AFTER THAT. SO WHAT THIS SHADY COMPANY DID, WAS THEY STOP TRANSFERRING CALLS, INSTEAD WHENEVER A DEBTOR CALLED IN, THE COLLECTOR WORKING THE ACCOUNT WOULD HAVE TO TAKE THE CALL IN THE DESK WHERE THE CALL FROM, WHY? BECAUSE THE CUBS SYSTEM THEY USE IS OUTDATED, CHEAP. I CURRENTLY WORK FOR TD BANK RIGHT NOW AND OUR BANK IS THEIR PRIMARY CLIENT FOR THIS ASSOCIATED CREDIT SERVICES COMPANY. I CAN TRULY SAY THAT IF AND WHEN OUR BANK REALIZES THE KIND OF SHADY, UNPROFESSIONAL COMPANY THIS AGENCY IS, OUR BANK WILL ALSO PULL THEIR ACCOUNTS, AND WHEN THAT HAPPENS AGENCY WILL CLOSE DOWN FOR SURE, R.I.P ACS, LOL

Keep in mind nobody in that company likes Ms. princess there and I mean nobody!  not even her 4 goons Brady,Boat,Fournier and Vieira they hate her just as much as anyone else there but they know they will never make that kind of bank or get away the s*** that they do there anywhere else. Even the support and client service staff strongly dislikes her as well. I know a major client they lost in the last 2 years was because a former employee of theirs was very instrumental in them losing a good client they had for years because ACS underestimates their help as just a # and a robot. they will continue to shrink for the next few years and the smart ones will get out of coarse as the metro west has a decent economy and if you go to www.indeed.com there are a good # of collection jobs with better benefits and opportunities for growth unlike the miserable environment at ACS. And one more thing Miss Princess if your reading this everyone there knows you are manic depressive with ADHD and laughs at you behind your back. You will never get any respect as no one respects you either.

I personally worked for this company for more than 3 years, and to be completely honest this company is the most unprofessional company I know. The people that I work there still know it is too. That's one of the main reasons why they lost wells fargo as a client. Most of the calls of this agency are not even recorded even though the collectors say they are in the mini miranda in each call, the reason why is because the CUBS computer system they use is terrible. But of course Mr. Andy doesnt think they need to fix that problem because that would cost more money and more people suing the company because they would have a recording for evidence. This company will not last long, that's why they closed one of the two offices already, located in lowell and are now located in westborough only. Ms. princess is not qualified to be running the office, she's only there because her father is part owner. But i guess as long as she continues to hand over hot accounts to Fran, everything will be okay

no one by that name has ever worked for this company. ever. and thats not our phone number. way to  to lie. liar.

JR...Peter...whoever you are as you clearly saw when you made your apearence last week Rich is not here....he was let go because of the Princess

eat a rooster I'am working at a Law office and making more money then any supervisor is or was at ACS and less hours...hahaha i laugh my way to the bank every week...all i do is make more money then any of you jealous ppl...getting fired was the best think ever...i have a better job with better pay and live back in my hood...you wont ever disclose your identity because your scared.....bitchass MF

After 10 years I am retiring from collections. I worked for Valentine, CCS, and CCA and ACS. and ACS was definitely the worst and most unprofessional company I've worked at in my life and. I'm now a credit analyst at a good company with good pay. I heard Dane Valasunas was fired recently which is long over due. he was nothing but a backstabbing little punk and the news made my day. Now Dane is out of work like a lot of the debtors and with his criminal history,and credit he'll be lucky if he gets a job at Burger King. Its about time most companies run background checks on people. ACS also needs to get rid of Bobby Vieira $1,200.00 per week + bonus I don't have to tell you he does not deserve it. That position should have been eliminated as well. And Andy if your reading this what you need to do is hire an efficiency expert because you have so many people there that you don't really need and throw more money away than any business owner I know

I was contacted by these people in reference to my sister who is in a completely different state. They have her phone number, but contacted me and said it would serve as a notification (on the answer machine). I called and this rude person Ashley Ingram hung up on me twice after I asked to speak to her supervisor. She asked why and said she was the supervisor, so I asked to speak to her boss, she refused to let me speak to her boss. Each time I called back, she answered and would refuse to let me speak to any one else. I asked her to call the so called agent who contacted me and have them call me. She said they work out in the field and could have them come to my house.  She then asked rudely, "do you want me to remove your number?" Really? This is the most rude person I have ever dealt with on the phone. I cannot find any phone numbers other than the one that was provided 888-204-1718. I asked how she got my number, she said from a FBI search that showed I was her sister, really, there 8 other sisters. Ashley Ingram definitely should be fired or seriously retrained if this is a legit business.

If he was let go why ? I highly doubt it he's been with the company for 26 years. If he is indeed gone he must of left for a better job.

Peter, I mean JR.....Rich was let go in July

What happened to Rich Gagnon and Lowell ? Is Gags still with the company ?