Dealing with ACM Group: How to Stop The Phone Calls and Letters

Yes, you can! It’s quite easy to STOP them calling now. Read this ACM group review and insiders guide on how to do this and avoid constant harassment.

You’re probably receiving letters of demand, text messages, emails and phone calls.

You’ve definitely got a debt with them, likely from a telecommunications company like Telstra or Vodafone, an internet company, a bank or other financial institution.

Now you’ve just jumped online to see how you can get it all to stop today. Wise choice my friend!

ACM Group Review

We’ll do our best to give you our perspectives on ACM Group.

You’ve found us here, Australia’s #1 debt information site.

The Debt Free Community was founded to provide high-quality recommendations towards those looking to resolve debt matters.

We’re glad you’re here, like the hundreds of other Australians who reach our site every month.

Who is ACM Group?

They’re an Australian debt recovery company.

You’ve had a past debt due, and unfortunately, after several attempts, the past company has been unable to seek payment from you. And now ACM steps in.

They’re not as nice as the previous company though. But you can still get a resolution.

ACM Group Telstra and Vodafone

Yes, it’s most likely that you have a phone debt from one of these two companies. Even though the amount owing could be small, you’re still required to pay it.

It might only be a few hundred dollars, but this places severe ramifications upon your credit history if you choose to ignore it. Our advice: don’t ignore ACM Group!

ACM Group Reviews and Complaints

Yes – there are dozens of reviews out there about ACM Group including complaints to the Ombudsman as well.

It’s only natural – they’re debt collectors after all, not a wellness clinic.

You’ll find bad reviews everywhere. They’re chasing you for a debt, one that you likely owe.

You can complain to the Ombudsman about ACM Group, but nowadays they’re certainly working within the confines of the law.

In the past, they did break the law on more than one occasion. That was a long time ago though and today it’s a lot better.

They’ve pulled themselves together, and the 3 to 4 daily phone calls, emails, text messages and the like is within Australian law guidelines for debt collection.

This is causing you stress

Dealing with ACM Group can be a headache

We know. It’s frustrating. The phone calls, the letters of demands, the emails and the like.

Do you know the worst part? Some debt collectors even go through social media accounts now. Yes – Facebook and Instagram.😖

They pick out the friends whom you engage with often on photos and status updates. They get their phone numbers, then they start telling them about YOUR debt.

How embarrassing!! Luckily, we have the perfect solution. We know how to make that end right now.

The solutions are here

Frankly, we believe you have 3 core options. One of these is an obvious bad option. We’re sure you can pick out which one that is…

  1. Ignore the debt. Let the harassment and threats continue. Allow the debt to get 5 to 10 times bigger!
  2. Engage with ACM Group. Find a resolution. Always our most recommended approach.
  3. Use the 100% FREE service we recommend. This service will talk to ACM Group for you, and likely get you a better deal. Recommend for debts more than $7,000.

Most people will be best suited towards Option #3.

It’s the one we recommend the most as well. It’s where you’ll line yourself up to come out better off.

Where your credit file is less likely to be tarnished by this incident.

Thousands of Australians have chosen this option too, and have been very happy with the results!

Thousands of Australians have discovered the perfect solution!

Ideally, it’s for the following people…

  • Australians aged 18 to 65
  • International visitors in Australia
  • Those who want the phone calls to stop
  • People who are embarrassed and humiliated
  • Individuals who want a quick and easy resolution

Get started today

We highly recommend this. We don’t want to see you fall further behind with your debts. Use this 100% FREE service to your advantage, beginning today!

We hope that this overview of ACM Group has given you some insights as to what this debt is about, and the best course of action to correct it.

Like we said – you can’t ignore this. The debt is real. It needs to be paid. There are 2 good options provided here. We know you’ll choose the right option for you.

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How to Avoid Debt Collectors in Australia [2021 Guide]

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What is Personal Insolvency? (And How to Avoid It)

You might have heard of personal insolvency as an option before, especially if you’re going through difficult times. Perhaps unpaid credit card repayments, loan arrears and bills which are well past their due dates. In this guide, we’re going to talk about what is “personal insolvency” and the differences it has when compared to other

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Australian Receivables Limited: READ this if you’ve got a text message!

ARL Collect

You can STOP them easily! Read this review now if you’ve received contact from ARL Collect (Australian Receivables Limited) and want to know what to do.

We will show you what you can do next, and ideally, how to stop them from contacting you ever again.

Furthermore, if they’re hassling you with letters of demand, phone calls and more. It’s got to stop. I mean, really! This stuff goes on for far too long.

Press play to see how this works

You’ve found a great place as we’re on your side, and we’ll help you through the process.

We’re watching Australian Receivables Limited

You’re glad that you’ve found us here at The Debt Free Community. Our site is Australia’s #1 informational resource.

We’re dedicated to helping everyday Australians fight the debt collectors. That includes ARL Collect, otherwise known as Australian Receivables Limited.

You’re here because you want us to get a better understanding of what’s actually going on today.

We’ll find a solution to stop these frustrating phone calls easily through our recommended free phone call.

ARL Collect Text Message and Phone Calls

Perhaps you’ve received a text message. It probably says something like “Please contact Australian Receivables Ltd regarding an urgent business matter on 1300 303 849 or reply CALLME” or similar. Take this as an official warning from them. You need to take action today!

Likewise, perhaps you’ve had a few phone calls with voicemails from ARL Collect. The truth is, you have a debt that they’re managing. They don’t get paid unless you start paying, so they’ll be relentless.

Australian Receivables Limited are chasing you for debt payments!

The debt is likely from a past personal loan, credit card, council rates, water rates, electricity bill, phone bill or internet bill.

The previous company has tried several times to contact you for payment, and it hasn’t worked out. Now they’ve hired Australian Receivables Limited to do the work for them.

ARL won’t be as easy to deal with. It’s likely that they’ve already gone through your personal information, including social media accounts.

They know who your closest friends are on Facebook and Instagram, and their next step is to start contact them too.

They’ll probably just tell them about YOUR debts. It’s so embarrassing! Luckily, we know how to STOP all of that today.

Australian Receivables Limited Centrelink

Yes – ARL also collects on Centrelink over-payments. If you’ve got a debt with Centrelink that you’re not paying, ARL will step in.

They’ll be more ‘in your face‘ with non-stop hassling until the matter is resolved.

Phone calls, text messages, emails, letters of demands and perhaps they’ll even come to your front door.

But it doesn’t have to be that way, there is a way to stop everything today.

ARL does collection on Centrelink, Paypal and occasionally the ATO!

PayPal and Australian Receivables Limited

Yes, just like Centrelink, ARL does collect on Paypal debts.

Australian Receivables Limited PayPal

If you’ve got a negative balance in your Paypal account, and they haven’t been able to get payments from you, Australian Receivables Limited now steps in.

Paypal is nice, ARL doesn’t really play as nice. You simply can’t ignore this one, even if you’re living outside of Australia.

Making a complaint to the Ombudsman about ARL

Sure, you can! But, we can almost guarantee that their behaviour isn’t illegal at all.

They might call you 3 times per day, but that isn’t against the law in Australia.

In fact, of all the big debt collectors in Australia, our experience has shown Australian Receivables Limited to be the nicest of the bunch.

We somewhat praise them in this review. They genuinely want to find a resolution with you. Their team aren’t rude despite what others might have said. Often they will agree to a small repayment plan to help you out.

If your debt is less than $7,000, we recommend that you get on the phone with them now, before the debt rises significantly in value.

The next step to deal with ARL

There’s frankly 3 options you can choose, including 1 we certainly don’t recommend!

  1. Ignore the letters, messages and demands. The debt increases in value. They eventually recover it from you, at a higher price. You’ll also tear your credit history to pieces. Bad idea.
  2. Contact them. Explain your situation. Find an ideal situation where you can make payments. Often this is the best solution to stop them from contacting you ever again, provided you keep up with regular repayments on the original debt.
  3. Use our 100% FREE service to speak to ARL on your behalf. You’ll likely get a better deal. Ideal for debts more than $7,000.

We highly recommend Option #2 followed by #3. Thousands of Australians have also taken up the opportunity with Option #3 and have been very happy with the outcome.

You won’t receive any more threatening phone calls, harassing text messages, demanding letters in the mail or otherwise. Life will actually start to get easier.

Clearly, you shouldn’t take option #1. If that’s you right now, then this won’t end well. Get in touch with ARL as often the debt owed is only a few hundred dollars.

Who’s the service for?

This was a popular question here, and we decided to create a list…

  • Those who are in debt and want to get out
  • Australians aged 18 to 65 (Preferably employed)
  • Those who feel like they’re trapped in a spiral
  • People who want the phone calls to stop now
  • Individuals who really want to start fresh again

Again, we recommend this service for debts greater than $7,000 to get the best deal possible. You’re most welcome to deal with ARL directly to work out a suitable payment plan if you are below this figure.

The real truth behind ARL

The phone calls won’t stop. The letters won’t stop. Nothing stops unless you decide today that you want that all to change. And you can, it’s very easy!

Smart people choose to use the 100% FREE service available here

Get started today

ARL is best served by dealing with them directly. That’s how you stop them. Ignoring them won’t resolve the issues and they won’t magically go away.

One alternative we recommend is our debt negotiation provider. We recommend this service, as it’s helped thousands of fellow Australians.

It’s super easy to start, and it’s likely a great pathway for you now.

We hope that this guide and review towards Australian Receivables Limited has helped you make the right decision for you.

That you’ll start now living without the fear, without the worry and without the stress of debt collectors constantly calling.

You can indeed, stop the phone calls and start living in freedom once again!

And the best way to do that? Call ARL, get on a payment plan and they’ll stop calling you.

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What is Personal Insolvency? (And How to Avoid It)

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How to Avoid Debt Collectors in Australia [2021 Guide]

Read this to STOP debt collectors in Australia from contacting you now! You’ll discover how to avoid debt collections in Australia, using this guide and the very effective service that we recommend. By the end of this post, you’ll be well informed to make the right decision.

You’ve found The Debt Free Community, Australia’s #1 informational site. It’s designed for you, to provide information for you to make the right choices. You’ll find knowledge on how to deal with debt collectors, debt reduction and elimination.

So let’s get into this. You’ve come here because you want to discover how to avoid debt collectors in Australia. There’s an easy way, and a hard way. We recommend the easy way, we don’t recommend the hard way. I’m sure you’d understand that notion!

Avoid debt collectors Australia
The typical debt collector. Evil, fierce and will never stop!

Avoiding Australian Debt Collectors

Here’s the real story. It’s true – you can avoid debt collectors in Australia. In fact, you don’t even have to speak to them again, ever!

Here’s the hard way…

You’ll have to run and hide, to turn off the phone, to move into the desert, move overseas or otherwise not allow them any form of contact. In our technological world today, that’s a hard thing to do. Plus – you need income. This requires living and working in Australia. Even Centrelink receipients need to live here.

Ignoring Australian debt collectors only makes it worse…

Here’s the easy way…

You’ll have to be open and honest. You have a debt. It needs to be repaid. But, you can get a DISCOUNT! We have access to a 100% FREE service. This service talks to the debt collectors for you. You don’t ever have to answer the phone again. Plus – they can create a deal that’s much more in your favour. Super win!

The truth about Australian debt collectors finding you

Debt collectors have your information already from your bank, lender, utilities company or telecommunications company. You likely put your parents address on your application. They’ve got a lot of information about you already.

Also, they know social media very well. They’ve gone through your Facebook and Instagram profiles. They know the friends and family you interact with. This is why they’ll start contacting them next, if they haven’t already. They’ll tell them about the debt. They’ll start calling your friends and family 2 to 3 times per day too. Super embarrassing!

Australian debt collectors are excellent at finding your social media channels!

You’ve got a debt with them. They don’t get paid, unless you start paying. That’s the hard truth right there. So they’ll be relentless. You’ll constantly get those phone calls, letters in the mail, text messages, emails and even concerned messages from friends and family stating that someone is looking for you. It sucks, but there is a solution. We have it, and thousands of Australians have used it.

Can debt collectors charge interest in Australia?

Yes – they can. The Australian consumer law allows them to charge no more than 35% interest. This is why most will charge 34.95%. It’s harsh, but it can stop today. It’s easy. You frankly have 2 choices. We’ll get into them.

  1. Contact them and organize a payment plan to stop the interest. Ideal for debts less than $7,000.
  2. Avoid them and use our 100% FREE service to get a better deal. Ideal for debts more than $7,000.

Thousands of Australians have chosen Option #2. They’re thankful they have, so they can sleep better at night and be on the road to a better future.

Who’s the service for?

It’s really for a range of Australians who have debt collectors calling. We decided to create an extensive list…

  • Those with debts $7,000+
  • People that want an easy solution
  • Individuals who aren’t sleeping well
  • People who want the madness to end
  • Those sick of the debt collectors calling
  • People who are feeling very embarrassed
  • Those ready for a change and fresh start in life
  • Ideally aged between 18 and 65, and living in Australia
  • Individuals that don’t want to deal directly with the collectors

Yes – the phone calls will end. The letters will end. The text messages will end. The emails will end. Your concerned friends and family won’t be hassled with calls either. This solution really does fix everything, provided you’re organized and ready to go now.

Get me started now!

Many families, couples and individuals find success with this service!

Excellent. That’s the right choice for almost everyone reading this. It’s time for the madness to end. Use this service and you’ll never have to speak to another debt collector ever again!

We hope this guide has provided you with much needed knowledge and resources on how you can avoid debt collectors within Australia. You can stop them calling you today, simply through using the 100% free service. It’s super easy, and thousands of people have used it already.

For those with comments and questions, you’re most welcome to drop them into the comments below. We’ll do our best to answer them within a few days. You’ll get a faster response through using the service provided here.

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Pioneer Credit: This solution makes the phone STOP ringing!

Yes, this complete Pioneer Credit review will give you the full insight into this debt recovery company with so many complaints.

Hundreds of Australians have read this to make an informed decision.

Pioneer Credit now monitored by The Debt Free Community

We’re the best site in Australia to help everyone understand debt collectors, consolidation and recovery.

The Debt Free Community was born out of a need to provide concise and correct information. We hope to be of value to you here.

If you’re reading this, you likely fall into 2 categories…

  1. You have a debt, and Pioneer Credit is calling you
  2. You have multiple debts, and want to consolidate through Pioneer

Who is Pioneer Credit?

We’ll give you the right answer here. We’ll even show you a good solution on how to deal with them.

They are a debt collection agency. They also provide debt consolidation services.

You’ve probably had a debt in the past. From the bank, another financial institution, a utility company or a telecom company.

That company in the past has tried several times to contact you and has failed. Now they’ve passed the debt on to Pioneer Credit. Commonwealth Bank is a popular one that passes its debts onwards.

Pioneer Credit won’t give up several times, especially if you’ve got a default notice. They’ll be relentless. They’ll call you non-stop.

In fact, they’ve probably been calling you, and now you’ve found us here on Google. You want a solution, and we have it right here.

How can I report Pioneer Credit on complaints of harassment?

You can report complaints to the Credit Ombudsman. But it’s almost pointless. I mean, really quite pointless.

Chances are, Pioneer Credit is working within the confines of the law. They’re not breaking any laws by contact you several times per day.

You’ve got a debt – and they want you to pay it. They don’t get paid unless you pay. They might even start door knocking soon….

Sometimes you’ll read other negative reviews of Pioneer Credit and think for a moment that what they’re doing is illegal. It isn’t actually.

Pioneer Credit is chasing you – the harsh reality!

How does Pioneer Credit contact my friends and family?

That’s super easy. When they got your debt from the last company, they looked up your name on Facebook, Instagram and other sites.

They looked at your friend’s list, they looked at the people you interacted with recently within status updates. They looked at your photos.

They’ve decided that, based on the information they’ve seen, that you would be able to pay back the debt. They haven’t done anything illegal here, as social media is a public space.

Now, if you’re not in contact with Pioneer soon for a resolution, they’ll contact your friends and family. They’ll tell them about your debts, in a bid to make you contact them for repayments.

It’s totally embarrassing. Luckily, we can STOP all of that today! Our recommended service makes them stop. Period.

Is Pioneer Credit Consolidation any good?

Yes and no. There are sometimes better services out there than Pioneer Credit Connect. These guys are masters in debt recovery and collections.

So there are times that they want a good deal for themselves, not for you when it comes to debt recovery. But then there are other times where they will give you a deal that’s very much in your favour. The best is when both parties get a good deal.

So when looking at any consolidation company, look at their reputation and what their focal point is. If it’s to help you get a better deal, then go for them.

A debt recovery company wouldn’t be our 1st choice for consolidation needs, as it’s not their focus.

Should I ignore these guys?

No – definitely NOT. Even if you disagree with the debt, you simply cannot ignore what is happening.

Court action, repossession, embarrassment, constant threats and red marks on your credit history are very likely.

And you know; often the debt owed is just a few hundred or a few thousand dollars. Not much really. You can really negotiate with them as Pioneer Credit will almost always agree to a payment plan.

As as we’re concerned, you have 2 very good choices…

  1. Call them directly and work out payment terms. Typically the best option to stop phone calls and letters.
  2. Use our 100% FREE service that will get you a better deal in your favour. Recommend for debts above $7,000.

That’s simply it. You can choose from either of the 2 options noted.

Both are going to create outcomes better than the one you’re currently in.

Thousands of Australians have taken option #2 and are glad they did!

Who’s the FREE phone call for?

It will suit most people reading this, especially if you live in Australia.

Those with debts and current recovery action from Pioneer will benefit greatly. You’ll be able to sleep better at night.

In fact, we decided to list a bunch of advantages…

  • Pioneer will stop calling you (Phew!)
  • They’ll talk to Pioneer on your behalf
  • You’ll likely get a much better repayment deal
  • It’s a super easy process, and almost everyone can do it
  • It’s suited for Australians aged between 21 and 65 who have debt
  • They’ll make sure Pioneer Credit stops talking to your friends & family

Best of all – you’ll simply be better off. You can do away with the stress, and start the journey towards a better financial position.

The perfect day is….when Pioneer Credit stops calling!

The complete truth

The debt is here. It belongs to you.

The first step towards the perfect day is owning up.

The second step is making a phone call, either with us or them.

The third step is working through their easy process towards a great resolution for everyone.

We like this approach because…

  • It’s easy (Simply call up with your basic debt details)
  • It’s effective (You can potentially stop Pioneer Calls today)
  • You’ll get a great deal (No more increasing the debt amount)
  • You’ll get a fast response (Talk to a real Australian, not a robot)
  • The process is easy and effective (We promise!)
  • The phone team is happy and friendly
  • They’ll understand your story and struggles
  • They’ll create a solution that’s ideal for your situation

You’ll get a good outcome with Pioneer Credit if you simply get in touch with them. We also offer free service.

Getting started

We know that this FREE service isn’t for everyone. In fact, it’s only for these particular people…

  • Those who have a genuine debt owed
  • Australians aged between 21 and 65
  • People who are willing to start this journey today
  • Individuals who want the phone to stop ringing NOW!

If that’s you, then please use our recommended service. A quick and easy phone call will help provide you with some tips and strategies. There’s no obligation to proceed after that.

Getting out of debt – it begins today…

We hope this overview of the debt collectors at Pioneer Credit has given you some real insight. That you’ll be able to start on the road to recovery, beginning today as thousands of Australians have.

You’re owed a fresh start in life. Let us help you today.

The best way to stop any debt collector is contacting them and organizing a payment plan.

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Read this to STOP debt collectors in Australia from contacting you now! You’ll discover how to avoid debt collections in Australia, using this guide and the very effective service that we recommend. By the end of this post, you’ll be well informed to make the right decision. You’ve found The Debt Free Community, Australia’s #1

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What is Personal Insolvency? (And How to Avoid It)

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