by Paul MankinIs Bayview Solutions, LLC Harassing You?
Bayview Solutions, LLC
Bayview Solutions, LLC is a debt collection agency based in St. Petersburg, Florida. It has two different BBB profiles, each listing the same address and website. Bayview Solutions, LLC has been in business since 2008 and also goes by the names Bayview Risk Management Capital, Bayview Commercial Recovery, and BV Solutions.
Contact Information:
111 2nd Ave NE Ste 900
Saint Petersburg, FL 33701-3434
(866) 546-9088
Better Business Bureau complaints against Bayview Solutions, LLC include collecting for paid accounts because they “confused” them with other accounts, processing payments after being asked not to, hanging up on consumers requesting debt validation information, threatening to file lawsuits they do not intend to file, and telling consumers that they are not subject to BBB complaints. Three complaints filed with the Consumer Financial Protection Bureau allege that the agency attempted to collect more than the amount due, claimed to be an attorney, called a consumer at work, and did not make it clear who they were or for whom they were collecting during several different communications.
If Bayview Solutions, LLC is abusing or harassing you, please contact our office for a free, no obligation consultation at 1-800-219-3577.
by Paul MankinIs TRAF Group Harassing You?
TRAF Group:
TRAF Group is a debt collection agency located in Trenton, New Jersey. The company also operates under the names A-1 Collection Service, American Trading, and Credit America. TRAF Group is incorporated in New Jersey and has been doing business since 1964.
Contact Information
2297 Highway 33 Ste 906
Trenton, NJ 08690-1717
(609) 771-9200
Since 2016, a total of 16 complaints have been filed against TRAF Group with the Better Business Bureau (“BBB”). The Consumer Financial Protection Bureau, a federal agency that protects consumers from unfair, deceptive and fraudulent business practices has received 87 complaints against the company since 2013. Violations of the Fair Debt Collection Practices Act (“FDCPA”) alleged in these complaints include the company:
- Refusing to provide consumers with the name and address of the original creditor
- Failing to send consumers verification of the debt
- Continuing collection efforts without providing verification of the debt
- Failing to identify disputed debts as such
The FDCPA requires that a debt collector provide a consumer with the name and address of the original creditor, the amount of the debt, and notice that the consumer has thirty days to dispute the debt. The collector must also inform the consumer that if he/she disputes the debt within the thirty days, it will send the consumer verification of the debt. If the consumer disputes the debt within the given thirty days, the collector must provide that verification and stop all collection efforts until it has done so.
According to a majority of the complaints against TRAF Group, not only does it refuse to provide consumers with verification of a debt and continues its collection efforts once verification has been requested, but it also pursues collection efforts on debts that have been paid or discharged in bankruptcy, attempts to collect fees and charges not authorized by law, and falsely reports information to credit reporting bureaus.
Creditors and debt collectors need to be held accountable for these unethical and unlawful practices. If you are being subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold the TRAF Group accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.
by Paul Mankinis-the-debt-collection-agency-allied-trustee-services-harassing-you
What is Allied Trustee Services?
Allied Trustee Services was established in California in the greater Sacramento area on May 14, 1994 and incorporated in California on January 9, 2007. Operating under the name “Allied Trustee Services,” as well as under its alias “G&P Enterprises, LLC,” the debt collection agency serves as a non-judicial foreclosure trustee and collection agent for homeowners associations.
Is Allied Trustee Services a legit Debt Collection Agency?
Sort of. By all appearances, Allied acts on behalf of its creditor clients to exercise claims for unpaid homeowners association fees after the property is foreclosed or offered for sale. The business itself does appear legitimate. Allied Trustee Services has been recognized by the Better Business Bureau (BBB) since July 2001 but is not BBB-accredited and maintains D- BBB rating. The collector’s low consumer rating indicates they do not take consumer complaints seriously and/or simply fail to respond when complaints are reported to third parties, such as the BBB.
Allied Trustee Services Contact Information:
990 Reserve Dr Ste 208
Roseville, CA 95678-1392
(916) 960-0601 (fax)
(916) 960-0600 (phone)
What kind of complaints does Allied Trustee Services have against them?
Allied Trustee Services has received three BBB consumer complaints and 17 Consumer Financial Protection Bureau complaints during its time in business. The majority of consumer complaints against the collector involve problems making payment. In multiple specific cases, Allied Trustee Services attempted to collect allegedly unpaid HOA fees despite ultimately admitting timely receipt of all payments. In one case, the alleged debtor made 12 timely HOA dues payments via cashier’s check only to receive harassing calls and letters from Allied Trustee Services demanding 12 months’ worth of back payments. It was only after the homeowner sued Allied Trustee Services and the homeowners association that the HOA (and the collector) admitted receiving the checks and simply not cashing them.
Are Allied Trustee Services’s Practices Legal?
The complaints against Allied Trustee Services are particularly disturbing because they indicate a possible pattern of fraudulent practices whereby the HOA and/or collector intentionally fails to accept payment (e.g., doesn’t redeem cashier’s checks) so they can collect even more later in the form of interest, costs, and attorney fees. These practices are unlawful under the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act. A claim under the Fair Debt Collection Practices Act (FDCPA) could entitle you to up to $1,000 in statutory damages, actual damages, and an attorney at no cost to you.
How can I defend myself against a debt collector like Allied Trustee Services?
More information regarding complaints regarding California-based collectors can be found at https://oag.ca.gov/consumers/general/debt-collectors. Complaints regarding a collector in any state may be filed with the Federal Trade Commission at www.ftc.gov or (877) FTC-HELP (877-382-4357), and complaints regarding any collector or other business can be made at BBB complaints. To learn more about how the federal government regulates debt collection and protects debtors and other individuals from creditor and debt collector harassment, see FTC Debt Collection pamphlet.
If you believe you have a claim for collector harassment or are a victim of another violation of state or federal debtor’s rights, you should speak with a consumer rights lawyer or debt collection harassment attorney immediately. Contact us today to discuss your matter and see how we can help at no cost to you.
by Paul MankinAre you being harassed by the debt collection agency 4M Collections, LLC?
4M Collections LLC is a debt collection agency that has a few consumer complaints lodged against them for harassment and improper collection methods. Learn about who they are, and how to protect yourself from their harassment from the credit card companies.
Who is 4M Collections LLC?
4M Collections LLC, also known as Discovery Financial Services, is a debt collection agency that resides out of Vancouver, Washington. Founded in 1996, they have been in business for close to 23 years. They have one primary office, but are known to operate in smaller locations across the U.S.
Their primary business is to collect on debts and overdue payments through both Discovery Financial Service, and will also buy out some debts. However, they are known to collect on authority of many credit card companies. It has not been confirmed that they are connected with Discover Bank.
How can I contact 4M Collections?
They are located at 9707 NE 54th St Ste A, Vancouver, WA 98662-6345.
They are able to be contacted through fax and phone. These numbers are:
Fax – 1-(316)-604-8948
Phone – 1-(316)-604-8514
Their business management is headed by Ms. Melinda Chumbley, who is also their primary customer support contact.
Are they a Scam?
Unfortunately, they are very much legit and grounded. 4M Collections has been established since 1996, and currently hold an A rating with the Better Business Bureau. However, that does not take into account their customer reviews when getting the rating, and they are not BBB accredited.
How many Complaints are there against 4M Collections?
Against 4M Collections specifically, there are quite a few. According to the Consumer Financial Protection Bureau, there have been upwards of 19 total complaints against 4M Collections specifically. The Better Business Bureau has 3 consumer complaints listed as closed within the last 3 years, as well as 1 complaint closed as recently as the last 12 months.
Many of these complaints come from debt collector harassment. Specifically, the harassment came from credit card companies’ debts, and many of the debtors were getting harassing phone calls from debt collectors. In these cases, 4M Collections has been seen wrongfully calling debtors through wrong numbers, as well as calling anyone that appears to have the same name as the debtor in cases as listed on the CFPB.
Not only have there been complaints against 4M Collections, but the complaints against Discovery Financial Service have also included such practices as using ghosted or cloned phone numbers. In a complaint lodged on 05/02/2019 to the Better Business Bureau, a consumer states that their employer was the target of debt collector harassment through a usage of a ghosted number, and would be pried for information or business details.
These are just a few select samples of the complaints lodged against 4M Collections LLC, or Discovery Financial Service.
Can 4M Collections LLC do this to me?
What 4M Collections LLC has done to those that have lodged complaints is extremely illegal and goes against federal law. They can attempt to do so, and may resort to harassing through phone calls, emails, or physical mail as well. However, the length of time that a debt collector is able to harass you over a debt is minimal.
If you feel like you are being harassed by debt collectors, we have ways to stop debt collection harassment. If 4M Collections LLC has been threatening you, or attempting to coerce you to pay a debt that you do not believe is yours, do not hesitate to reach out and get proper help.
What can I do to stop the harassment?
There are a number of ways to deal with the debt collector harassment. The first thing to do, however, is to contact a debt collector harassment lawyer or attorney. An attorney will be able to set any situations straight, and ensure that you understand what harassment is, and label it as such. For instance, they will be able to walk you through the steps of how to report debt collector harassment, and identify the patterns and practices that would be considered harassment by a debt collector. These include practices such as ghosted phone calls, robo calls, and wrong number calls and misleading collection information.
However, there is one problematic issue. To ensure that you enforce your rights as a debtor and consumer, as well as ensuring that your recover your money and time for violations, you must push to sue 4M Collections. If you have been wronged by them, the laws provide individuals, such as yourselves, the proper tools and regulations to help seek monetary damages in a court of law.
If you are being harassed by the collection agency 4M Collections LLC, or Discovery Financial Service, please give us a call at 1-800-219-3577 for a free no obligation case evaluation. We are experienced debt collection harassment attorneys.
We will be able to get you the proper care that you need, as well as set you on the correct legal path to regain any lost time and money that may have been collected from you through undue and illegal means
by Paul MankinWho Can Access My Credit Report?
The Fair Credit Reporting Act (FCRA) was enacted in 1970 to promote financial privacy and to set ground rules for fairness in credit reporting. Under the FCRA, access to a consumer’s credit report is specifically limited, though perhaps not quite as narrowly as the average consumer might expect.
In general, third-party access to a consumer’s financial information is initiated one of three ways: at the consumer’s specific request; by virtue of the consumer taking a particular action; or on order or judgment issued by a court of law.
It might come as a surprise that specific express, written permission to access a consumer’s credit report is required in very few circumstances, namely by current or prospective employers. In most other circumstances, permission to access one’s financial information is implied by virtue of a consumer’s finance-related action. Such actions commonly include:
- Applying for credit.
- Soliciting a new investment.
- Initiating a business transaction.
- Applying for a finance-related license issued by the government.
Once a creditor has permission—whether express or implied—to access a consumer’s credit history, the creditor’s access is permitted indefinitely as long as they are an active creditor for the purpose of monitoring the consumer’s credit accounts. Once the original application is submitted, no further permission is required, and the consumer cannot prevent the creditor from future access as long as the credit account is active.
In other cases, no consumer permission or consent is required at all. Though it is possible to opt out, prospective creditors have, by default, the right to access a consumer’s financial information for the purpose of offering pre-approved extensions of credit (such as offers commonly received in the mail). Likewise, consumer consent is not required when a court orders access to their credit report (e.g., during collection proceedings or for the purpose of determining child support payments).
Notably, the FCRA also gives consumers access to their own credit reports. Every consumer is entitled to receive an annual copy of their credit report at no cost. For a fee, a consumer can purchase a copy of their full credit report at any time through, among other sources, one of the big three credit reporting bureaus.
A number of online vendors offer constant credit report access and monitoring for free with the option to pay for additional services (e.g., Credit Karma). While these services can be useful for monitoring, for example, whether inaccurate or outdated information is present on one’s credit report or whether a disputed trade line has been successfully removed or corrected, consumers should be cautious about relying on the credit scores provided by these services. Free credit monitoring services generate revenue in substantial part by suggesting paid services to help consumers improve their credit scores, so it is in the monitoring service’s interest to use an algorithm that generates consumer scores lower than they actually are (i.e., lower than on TransUnion, Equifax, or Experian).
Consumers can learn more about their right to a free annual copy of their consumer credit report at www.annualcreditreport.com.
by Paul MankinWhat Happens If I Owe Income Taxes?
What Happens If I Owe Income Taxes?
If you filed your income taxes showing an amount due and did not send the money, the Internal Revenue Service (IRS) or your state Department of Revenue will send you a bill or a letter asking you to pay the amount due or call to make payment arrangements. Failing to make payment arrangements or pay the bill could result in interest and penalty charges, wage garnishment, a bank account levy, or a tax lien against your property.
What You Should Do If You Owe Federal Income Taxes
According to the IRS, if you owe income taxes and cannot pay, you should still file your return by the deadline, and then call it at 800-829-1040 to discuss payment options. Depending on your circumstances and the amount owed, you may be able to get an extension of time to pay, work out a payment plan, or settle the bill for less than you actually owe. The IRS may even waive penalties and delay turning your account over to collections until you can pay.
If you do not pay your tax in full by the extended due date or according to a settlement agreement or do not stick with your payment plan, the IRS may put a lien against your property, levy (take) your bank or retirement account or federal benefits, garnish your wages, or seize your personal property, such as a car, boat, or real estate. At the very least, the IRS will keep any future federal income tax return until your bill is paid in full.
What You Should Do If You Owe State Income Taxes
Just like the IRS, the state Department of Revenue can levy your accounts, put a lien against your property, and seize your wages and assets if you fail to pay your bill. So, you should go ahead and file your return on time, and then contact the Department of Revenue about payment options. Most likely, you will receive a bill and information about your options shortly after your return is processed. Whatever you do, do not ignore a bill from your state Department of Revenue. Not only will the unpaid bill will damage your credit, but some states are very aggressive about recovering taxes due and will take your bank account or garnish your wages with very little notice to you before they do.
If you are being threatened with garnishment or a levy, please contact our office at 1-800-219-3577, for a free, no obligation consultation.
by Paul MankinIs the debt collector Comenity Bank harassing you?
COMENITY BANK COMPANY PROFILE:
Name: Comenity Bank
Mailing address: PO Box 182273 Columbus, OH 43218-2273
Corporate headquarters: One Righter Parkway, Suite 100, Wilmington, Delaware
Phone Numbers: 1-800-675-5685, 1-855-506-2496
President and CEO: Ed Hoffman
Annual Revenue: $12 million
Website: https://comenity.com/
LinkedIn Profile: https://www.linkedin.com/company/comenity/
INTRODUCTION:
Comenity Bank is a state-chartered commercial bank. First incorporated in Delaware in May 1989, it provides branded and co-branded credit cards to retail consumers. It works with retail establishments such as Abercrombie & Fitch, Motorola, Victoria’s Secret and many others. Comenity itself has around 25 employees, and it maintains no branch office.
Comenity Bank and Comenity Capital Bank are the credit card banking subsidiaries of Alliance Data Systems Corporation.
CONSUMER COMPLAINTS:
Comenity Bank has been the subject of an exceptionally high number of consumer complaints.
BETTER BUSINESS BUREAU:
The Comenity Bank Better Business Bureau (BBB) profile reveals a “C” rating , which is abysmal, since even businesses with poor customer reviews commonly receive A+ ratings. Its customer review score was even worse — one star out of a possible five stars. An astonishing 2,673 complaints against Comenity have been closed in the last three years, 946 of which occurred during the last 12 months alone. Comenity is not BBB accredited.
CONSUMER AFFAIRS COMPLAINTS:
Consumer Affairs, a privately owned consumer watchdog, has received numerous complaints about Comenity Bank. Following is a small sample of some of the negative reviews (which seem to predominate):
- Adding small amounts to the bill to cause the debtor to default on payment, as an excuse to charge a late fee that adds up to far more than the defaulted amount.
- Deducting 100 times more than the authorized amount from a debtor’s bank account ($5,277 instead of $52.77).
- Charging a finance charge even though the debtor paid in full before the deadline.
- Repeatedly assessing unjustified late fees.
- Excessive and compounding late fees (charging another late fee for failing to pay an original late fee on time).
- The fine print: “No interest if you pay within 12 months” really means “If you’re even one day late, we will retroactively assess all of your late fees for the entire year.” A consumer might, for example, miss $50 of a single payment and as a consequence, be charged $500 in interest that would not otherwise have been accrued.
LAWSUITS AND SETTLEMENTS:
In 2015 the Federal Deposit Insurance Corporation (FDIC), the US government entity with authority over the nation’s banking system, sued Comenity Bank and Comenity Capital Bank over deceptive marketing of add-on products, and settlement was reached in 2015. Among other terms, it required Comenity to pay $2 million in civil fines, as well as a shocking $53 million in refunds to consumers who were harmed by Comenity’s deceptive practices.
More than one lawsuit has been filed against Comenity Bank for violation of the Telephone Consumer Protection Act (TCPA) by Comenity in the process of debt collection. The TCPA prohibits robocalls — repeated automated dialing calls. One plaintiff, for example, complained that she had received 500 robocalls from Comenity.
Below is a very incomplete list of some of the other lawsuits that have been filed against Comenity Bank:
It is important to point out that, to the extent that Comenity Bank is an original creditor (as opposed to a third-party creditor such a debt collection agency), you wouldn’t expect all that many lawsuits against them, because their agreements with their debtors almost always contain enforceable arbitration clauses, which keeps disputes out of court.
YOUR LEGAL ARSENAL:
Federal law, as well as many state laws, strictly regulate the behavior of debt collectors. California state law, for example, is particularly protective of consumers. Following is a list of statutes that govern debt collector behavior. All of these statutes are federal, meaning that they apply everywhere in the US, unless proven otherwise.
- The Fair Debt Collection Practices Act (applies to third-party debt collectors);
- The California Rosenthal Fair Debt Collection Practices Act (applies only in California);
- The Telephone Robocall Abuse Criminal Enforcement and Deterrence Act; and
- Many other state and federal statutes.
EXAMPLES OF ILLEGAL DEBT COLLECTOR BEHAVIOR:
Here are some kinds of behavior that state and federal laws forbid:
- Calling you late at night or early in the morning;
- Calling you repeatedly to the point of harassment;
- Sending out confusing or deceptive debt collection letters;
- Misstating the amount of the debt;
- Falsely claiming to be an attorney;
- Threatening to take action that the debt collector has no legal right to take, such as garnishing your paycheck before receiving a court judgment against you;
- Attempting to collect a debt that has already been paid in full;
- Attempting to collect a debt that is subject to a bankruptcy stay;
- Attempting to collect a debt that has already been discharged in bankruptcy;
- Trying to collect a debt for which the statute of limitations deadline for filing a lawsuit has already expired;
- Adding fees and charges to your debt that you did not originally agree to (in a loan agreement, for example);
- Contacting third parties and telling them about your debt (your employer, for example);
- Robo-calling you;
- Threatening you;
- Using profanity; and
- Many other abusive or improper activities too numerous to list here.
GET SOMEONE ON YOUR SIDE:
Paul Mankin has been protecting consumers against creditor abuse for many years now, with a strong of victories under his belt. You don’t have to allow creditors to turn you into their punching bag. If you are being harassed or abused by Comenity Bank or another debt collector over a debt, contact the Law Office of L. Paul Mankin, APC for a free consultation. We can be reached by phone at 1-800-219-3577 or by completing our online contact form (scroll down).
by Paul MankinIs it illegal for a car dealership to run credit without your permission?
The simple answer is: yes and no.
When a consumer seeks to finance the purchase of a car through a dealership or through a third-party institution (i.e., a bank), the dealership performs a “hard” credit inquiry. Hard credit inquiries are conducted when a consumer applies for credit or a loan and can only be done with the consumer’s knowledge and consent. Thus, it is illegal for a car dealership to run a “hard” pull of your credit without your permission.
A dealership may, however, conduct a “soft” inquiry (or soft “pull”) of a potential buyer’s credit without the consumer’s knowledge or permission. A soft credit inquiry is one that does not appear on a consumer’s credit report or affect a consumer’s credit score. It is often used for higher level screening purposes, such as by a prospective employer assessing an applicant’s overall financial responsibility. Soft inquiries are also used for credit pre-approval or to get an idea of how much credit is presently available to a particular consumer, such as a potential car buyer.
A dealership never has to run a shopper’s credit report if the shopper is paying with cash or if they have already secured financing through a third-party. There are, however, reasons that a dealership would want to see a shopper’s credit even if the shopper insists that financing is being handled elsewhere.
Even if a dealership does not offer or arrange financing, insight into a consumer’s credit history can help the dealership in negotiating the best possible price for a vehicle. If a consumer has access to a good amount of available credit, for example, a dealership might set a higher initial price or might take a harder line during negotiations because they know the consumer has access to a certain amount of money.
A dealership that offers in-house or institution-associated financing has the added incentive of peeking into a shopper’s credit because financing a vehicle purchase maximizes the value of the overall sale. Dealerships often offer competitive auto loan rates as an incentive for buyers to purchase the desired vehicle from them. In order for a dealership to effectively use a competitive financing rate during negotiations, the dealership needs to be reasonably sure it will be able to get the customer approved for the offered financing.
Even if it is legally permissible to run a soft credit check without a consumer’s permission, you might assume that you would at least have knowledge that the check is being performed since the dealership needs certain information in order to run the credit inquiry, such as name, birth date, and tax ID or social security number. Auto dealers are notoriously crafty, however, and they use a number of tactics to get a consumer to hand over this vital information as early in the shopping process as possible.
Some dealerships are downright unscrupulous, but others simply rely on the average consumer’s lack of legal knowledge to gain access to their credit. For example, it is true that the Federal government requires auto dealerships to collect certain information—information very similar to what is provided on a credit application—when a consumer makes a cash purchase totaling $10,000 or more. While the dealership is only required to collect that information prior to completing the sale, however, dealers often request that information early in the process under the guise of “getting things started” and suggesting it will save the consumer time. In some cases, a dealership might even tell the shopper the information is required before the dealership will begin discussing pricing. However it is obtained, once the dealership has the consumer’s vital information, they can use it to run a soft credit inquiry without the consumer’s express consent.
If you believe a car dealership has run your credit without your permission, give us a call at 1-800-219-3577 for a free not obligation case evaluation.
by Paul MankinIs the debt collection agency Aspen National Financial harassing you?
With such a beautiful name such as Aspen National Financial, you wouldn’t think that they would be a cold-hearted debt collection agency that would be trying to get every single dollar out of your wallet. However, that is just the case. Aspen National Financial is just one debt collection agency that works to try to collect on debts that may or may not be yours, hoping to make just a quick buck. So, are they legitimate? Or is Aspen National Financial a scam that you should be careful of? Here are the facts that you need to know if you have been contacted by them, and how to protect yourself.
What is Aspen National Financial?
Aspen National Collections is known as a collections agency that deals primarily with general debts and overdue debts. They are headed by John Brewer, who is listed as the president of the company. They reside out of Colorado, and serve the New Mexico and Southwest Colorado area.
Is Aspen National Financial a legit Debt Collection Agency?
Aspen National Financial should be considered a legitimate debt collection agency. They were opened in early 2000, and their Better Business Bureau file was opened late 2000. They became accredited later that same year as well. They go by Aspen National Financial Inc. as well, so it is wise to distinguish these names. They currently have an A+ rating with the BBB.
Aspen National Financial Contact Information
Address: 827 Rood Ave Grand Junction, CO 81501-3433
Phone Number: 1-970-263-7320
Other Phone: 1-800-283-2797
Other Phone: 1-800-981-9420
Fax Number: 1-970-263-7309
Does Aspen National Financial have Complaints against them?
Aspen National Financial has a few complaints made against their company. Through the BBB database, there is one registered complaint made against them in 2019.
Through the Consumer Financial Protection Bureau’s Consumer Complaint Database, there are 89 complaints tied with Aspen national Financial.
What kind of Complaints have been made?
Of the 90 complaints made between the BBB database and the CFPB’s CCD, 87 deal with debt collection issues and complications, while 3 of them deal with mortgaging problems and credit reporting issues from Aspen national Financial.
Many state that Aspen National Financial used harassing language, and threatened legal action when consumers would not pay up. They also disregarded consumer requests for them to stop calling, and directly broke the Fair Debt Collection Practices Act’s (FDCPA) guidelines and laws.
PACER also has a case on file from 2012, when Aspen National Financial Inc. attempted to contact a New York resident about a $313 debt. This resident, Gail Lockhart, stated later that the debt collection harassment extended towards her work and home and family, with the representatives apparently calling up to 3 times a day despite Ms. Lockhart’s request for them to stop.
Because of this, Gail Lockhart took them to court over FDCPA violations which included:
Are the Practices of Aspen National Financial Legal?
If true, these practices by Aspen National Financial are not legal by any means. With regard to the complaints made against them through the CFPB’s CCD, it is painfully obvious that they use illegal and harassing techniques in an attempt to get a payment.
The Fair Debt Collection Practices Act explicitly states that debt collection representatives and agents are not allowed to enact harassing and threatening practices, and if they do, they can be punishable by law. As such, it is safe to say that their actions are illegal in every single sense.
How can I protect myself and fight back against Aspen National Financial?
If you or a loved one have been contacted by Aspen National Financial, then you need to know that there are ways to protect yourselves against their harassment and excessive calls. The first thing to do is to confront them. If you are contacted about a debt, make sure to verify the debt. This can be done by asking where the debt originally came from, and getting in contact with the original debt holder. You can also ask for verification of authenticity of the representative, calling the debt collection agency to see if the representative is even on their record as a representative.
The next thing to do is to ask them to stop calling you. By law, they must, even if you do not pay the debt. If they continue to harass and threaten you, it is best to hire an experienced debt collection harassment attorney or lawyer to help you during their harassment. We here at Law Office of Paul Mankin, APC have a strong team of experienced debt collection harassment attorneys that have dealt with debt collectors like this. We are able to assist you in identifying and stopping the harassment that they bring.
Not only can we help you to defend against harassment, we can also help to build a case, and assist you in understanding where the illegal collection patterns are for debt collectors. We are also able to help facilitate any communications or discussions between the parties, ensuring that nothing you say can be used against you.
The most important bit of information in your fight is to always remain vigilant. No matter who you have at your side, it can seem like a daunting battle against such a large company and agency. If you have ever been the subject of:
Then you may have a case available. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment.
by Paul MankinArticles About Debt Collection
The Law Office of Paul Mankin is a consumer protection law firm dedicated to preventing debt collection harassment.
We stop creditor harassment through litigation under the Fair Debt Collection Practices Act (FDCPA) and other legislation, giving our clients peace of mind and financial relief. And in doing so, we make debt collectors pay our clients.
As the victim of illegal debt collection practices, you have rights — and the ability to stop debt collector harassment. Call us today at 800-654-9517 for a free consultation.
We represent people throughout California from our offices in the San Diego area and Los Angeles.
You can learn more about your rights by reading the articles below.
Stopping Automatic Calls From Debt Collectors — If debt collectors have violated FDCPA, we can stop them — and obtain compensation for you.
Debt Collectors Must Follow These FDCPA Rules — Debt collectors are prohibited from calling you during certain hours and engaging in illegal practices. If you are being harassed, call us today.
When Will a Debt Collector Sue? – Is a debt collector threatening to sue or are you concerned that the they will?
Debt Harassment Lawyers In California Fight FDCPA Violations — If you are being harassed by debt collectors in violation of the law, we can stop it at no cost to you.
Debt Collectors And Student Loans — Though student loans are usually not dischargeable in bankruptcy, there may be other ways for you to get relief from debt collectors and unmanageable student loan debt.
Letters About Student Loans May Violate FDCPA — If a debt collector tells you that it’s impossible to discharge student loan debt, it’s not true. You may be able to file suit claiming false and deceptive practices and obtain California.
Debt Collectors Teaming Up With Prosecutors To Collect Debts — In recent years, more than 300 district attorneys’ offices across the country have teamed up with debt collectors in order to collect bad debts. These actions could violate federal and state laws.
FTC Issues New Alert — Scam Artists Posing As Debt Collectors — Don’t fall victim to con artists who pretend to be debt collectors. Call us for a free consultation.
I Gave A Debt Collector A Post-Dated Check And He Deposited It Early. What Can I Do? — You may be out of luck, or you may have a cause of action under the Fair Debt Collection Practices Act. A lawyer at our firm can advise you concerning your legal options.
Attorneys Fighting Illegal Vehicle Repossession — Repossession agents will sometimes act unlawfully when repossessing your vehicle. Don’t let them get away with it. Call an experienced repo lawyer today.
TCPA Exceptions: When Companies Are Allowed To Call You — Learn when debt collectors and other parties can and can’t call you.
Lawsuits Over Debt Collection Firms Declining — Consumers are learning that FDCPA bans debt collectors from using illegal methods when contacting them. If you are being harassed, we may be able to help.
Call Us For Legal Help
For a free consultation about a consumer protection matter, contact the Law Office of Paul Mankin by calling 800-654-9517.