Frequently Asked Questions & Resources

Sort through our frequently asked questions to learn more about your debt and our debt relief program.
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Associated Creditors Exchange

Is Associated Creditors Exchange calling you?

Is Associated Creditors Exchange, a.k.a. Ace Collections, calling you or sending letters to try and collect an unpaid debt? If so, Tayne Law Group is a law firm that can help you deal with this agency, stop the calls and get your finances back on track.

Who Are They?

Associated Creditors Exchange is a large collections agency that is based out of Phoenix, Arizona. They are registered with the Better Business Bureau and as of May, 2016, they have an A- rating.

According to the ACA International website, the complaint/ethics contact information for Associated Creditors Exchange is as follows:

Associated Creditors Exchange, Inc.
Cindy Olson, Controller
Cindy Olson, Ethics Contact
3443 N Central Ave., Ste 1100
Phoenix, AZ 85012-2223
Phone: (602) 954-6554
Fax: (602) 241-0916
ACA Member since 1950

Are They Legitimate?

Associated Creditors Exchange is a legitimate collections agency, but that doesn’t mean that everything they do is lawful or appropriate. Complaints against this agency are widespread throughout the internet and range in allegations. Online searches reveal a number of complaints against Associated Creditors Exchange made by consumers who believe they were unfairly frightened or tricked into making payment arrangements with this collections agency. Various consumer complaint sites also allege that Associated Creditors Exchange has placed abusive telephone calls, falsely misrepresented that they are serving as a “mediator” for the Courts and that litigation is “imminent” if the debt isn’t paid immediately.

How Can Tayne Law Group Help?

Our law firm has helped clients resolve thousands of debt collection accounts and we have great experience holding unscrupulous collectors accountable for their unlawful collection activity. We can put this knowledge and experience to work to help you too. We know how to anticipate potential issues and prospective outcomes so we can help minimize risk and save you money, stress, and fear. We also take the time to help you understand the process, thoroughly investigate your debt, and devise a comprehensive plan of attack that will make the most sense for your specific goals.

Additionally, our law firm understands that the people who need our help are dealing with debt issues and need fair and flexible fees to protect their rights. That is why our consultations are always free, we charge extremely affordable rates, and even accept payment plans to make our fees even easier to pay.

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We know there are a million questions to ask, which is why we maintain a strict no-billing policy. As a client, you can ask us about credit cards, debt consolidation, your credit report, anything really, and we won’t send you an unexpected bill. Instead, you make one low monthly payment that fits your budget. By keeping it simple, you can have peace of mind and focus on paying down your debt.

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Why people choose Tayne Law

A debt relief law firm

Personalized Program

Every situation is unique. We’ll work with you to find a solution that resolves your debt and frees up your cash flow.


You make one low monthly payment and will never get an unexpected bill.

Experienced Debt Attorneys

We have more than 20-years of experience providing clients with debt relief.

Confidential & Trusted

As a law firm, our attorneys follow strict client confidentiality. Our services are discrete and effective.

Work with Creditors

We work with all creditors, whether you’re dealing with a collections firm, a national bank, credit union, or another lender.

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