by Paul MankinIs Edgwater Consulting Group, LLC Harassing You?
Edgewater Consulting Group, LLC, also known as Edgewater Financial Services, is a debt collection agency located in Tucson, Arizona. The agency has been in business since 2005 and provides debt collection services for delinquent student loan accounts.
Contact Information:
NO ADDRESS IS AVAILABLE
Tucson, AZ 85712
Phone: (253) 835-7341
The Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB), a federal agency charged with ensuring that companies in the financial industry, such as debt collection agencies, do not abuse consumers, report no complaints filed against Edgewater Consulting Group, LLC. However, it has been sued at least once for violating the Fair Debt Collection Practices Act (FDCPA), a federal act that was passed in order to protect consumers from abusive and unfair debt collection practices. The complainant alleges that the collection agency violated the Act by calling her at 7:00 a.m., using an auto dialer to harass her, and threatening to garnish her social security income. The Act prohibits debt collectors from calling a consumer before 8:00 a.m., threatening to take actions that it is not legally able to take (such as garnishing Social Security income), and allowing a consumer’s phone to ring continuously in order to harass them.
The FDCPA prohibits debt collectors from using any unfair, abusive, or harassing practices such as:
- Falsely representing that nonpayment could lead to a consumers arrest
- Communicating with a third party about a debt
- Failing to disclose that a communication is an attempt to collect a debt
- Using profane or abusive language
- Refusing to provide verification of a debt to a consumer
- Continuing collection attempts after being asked in writing to stop
- Collecting interest or fees the original contract did not authorize
- Threatening to repossess property it has no legal right to take
This is not an all inclusive list of the acts prohibited by the FDCPA and if you feel that Edgewater Consulting Group, LLC is using unfair or abusive practices in order to collect a debt from you, it is time to hold them accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.
by Paul MankinAre you being harassed by the debt collection agency Alacrity Collections?
Dealing with debt collectors can be extremely difficult. You may not know if the one that is calling is legitimate, or if you are possibly being scammed. This can be true for anyone, even well established names such as Alacrity Collections. If you have been contacted by Alacrity Collections, here is what you need to know about their debt collection agency.
What is Alacrity Collections?
Alacrity Collections is stated to be located in Maryland, and has been in business for 37 years. They are listed as a collections agency, and cater primarily towards healthcare debts, business to business debts, and consumer debts. They claim that their debt recovery average is twice the national average. They are headed by Susan Hayes, who is listed as the President, and are said to have approximately 12 employees.
Is Alacrity Collections a legit Debt Collection Agency?
Alacrity Collections is considered to be a legitimate debt collection agency. They have been in business for 37 years, and have a Better Business Bureau rating of A+. However, the ratings on the BBB website do not take into account customer reviews.
Alacrity Collections Contact Information
Address: 175 Admiral Cochrane Dr STE 202 Annapolis, MD 21401-7316
Other Address: PO Box 586 Riva, MD 21140-0586
Other Address: 900 Bestgate Rd # 407 Riva, MD 21401-7964
Fax Number: 1-410-573-9667
Phone Number: 1-800-752-9663
Other Phone: 1-410-721-2744
Website: http://www.alacritycollections.com
Does Alacrity Collections have Complaints against them?
Alacrity Collections currently has no complaints lodged against them through the BBB website.
There are four complaints lodged against Alacrity Collections through the Consumer Financial Protection Bureau’s Consumer Complaint Database based on violations of the Fair Debt Collection Practices Act.
What kind of Complaints have been made?
Of the four complaints lodged against Alacrity Collections, all four were listed as dealing with debt collection harassment. Two were listed as attempts to collect on an already paid debt. Another was listed as attempts to collect on a debt that is not the victim’s, and another complaint cites too little information to verify the debt in question.
Each of the complaints also state that Alacrity Collections attempted verbal and physical harassment. Through debt collector harassment like constant and aggressive phone calls, as well as attempting to collect on debts that may not be owned by the victim, Alacrity Collections attempts to extort a payment from whomever they may contact. Although this may be effective, this is highly illegal and improper under the Fair Debt Collection Practices Act.
Are the Practices of Alacrity Collections Legal?
Of the complaints made against Alacrity Collections, many are illegal in nature. In the complaints, it was made that Alacrity Collections attempted to collect on an already paid debt through aggressive and abusive phone calls and messages even when asked to stop. This goes against the FDCPA laws and regulations. The FDCPA states that no debt collector may use aggressive or negative tactics in an attempt to collect on a debt. They must also cease the calls and messages if you request that they stop.
How can I protect myself and fight back against Alacrity Collections?
If you or someone you know has been contacted by Alacrity Collections, it is important that you know how to defend yourself, and how to fight back against their practices. Although a debt collection agency is allowed to contact you through phone and emails, if you request a cease and desist, they must comply with your wishes. As such, make sure to state firmly that you wish for them to stop, even if they threaten to use physical harm, or attempt to threaten your well-being.
You may also look to verify the debt. This can be done by requesting a verification letter, or requesting key information that will help you link the debt. This can be items such as asking who the debt is for, as well as where the debt came from.
Another priority point that you can look towards is to hire a knowledgeable and experienced debt collection harassment attorney. Having the right debt collection harassment attorney by your side can mean the difference between understanding when a scam is going on, and when the creditor harassment is occurring. We here at the Law Office of Paul Mankin, APC have a team of experienced and knowledgeable debt collection harassment attorneys and lawyers that would be able to assist you in your case of getting the debt remedied.
Not only can we help you to defend against the debt collection 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 Fair Debt Collection Practices Act violations such as these:
- Multiple calls per week from a third party collection agency
- Multiple calls in the early morning or late night from debt collectors.
- Violent and belligerent language and harassment from debt collectors.
- Threats of arrests or poor credit due to outstanding debts.
- Having your friends, family, and coworkers harassed from debt collectors.
- Automated robocalls from third party collection agencies.
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 MankinIs Federal Adjustment Bureau, Inc. Haraassing You?
Federal Adjustment Bureau Inc. is a tenant screening and collection agency located in Columbus, Ohio. The collection agency has been in business since 1943 and also operates under the name FABCO.
Contact Information:
4640 Executive Dr
Columbus, OH 43220-3602
Phone: (614) 538-5600
The BBB reports 23 complaints against Federal Adjustment Bureau, Inc. (FABCO) in the last three years. Four consumers chose to post reviews of the debt collection agency, instead of filing complaints. These reviews contain information consistent with the complaints against the company. Most of the available complaints allege that the debt collection agency attempted to collect on a debt it could not verify, was already paid, or was past the statute of limitations for collections. Many of the consumers also stated in their complaints that customer service representatives were rude, difficult to deal with, refusing to provide them with requested information, and that they even hung up on them in the middle of the call. Failing to provide consumers with enough information to verify a debt is a violation of the law, and a debt collection agency is required to tell a consumer the name and address of the original creditor as well as the amount of the debt. If they do not do this during the initial contact, they must provide the information in writing within five days if the debt is still not paid.
49 complaints have been filed against Federal Adjustment Bureau, Inc. with the Consumer Financial Protection Bureau (CFPB) since 2015. The CFPB is a federal agency created to help ensure that banks, lenders, and other financial companies, such as collection agencies, treat consumers fairly. These complaints allege various violations of the Fair Debt Collection Practices Act (FDCPA), such as:
- Failure to verify a debt
- Using obscene, profane, or abusive language
- Failing to mail proper notices to consumers
- Calling before 8:00 a.m. or after 9:00 p.m.
- Contacting consumers after being asked in writing not to
- Attempting to collect on a debt that was discharged in bankruptcy
- Reporting false information to credit reporting agencies
Some of the complaints that say the credit collection agency reported false information on their credit report allege that the information actually belonged to someone else and the agency refused to remove it even after being provided with proof that it was not their debt. One consumer states in his complaint that he was unable to get a job for quite some time due to this false information on his credit report and was forced to sell family heirlooms in order to keep his bills current while attempting to repair the damage.
If Federal Adjustment Bureau, Inc. is harassing or abusing you, it is time they are held accountable for their actions. Please call our office at 1-800-219-3577, for a free, no obligation case review.
by Paul MankinSan Diego Slip and Fall Lawyer Recommendations
When in a San Diego slip and fall accident, it can sometimes be seen as small, slight, and trivial. Some may make light of your accident, saying that you are just out to get paid, and that it’s something that happens every day.
However, a San Diego slip and fall accident can lead to serious complications and injuries. No matter what anyone says, you should always be prepared to take the necessary steps after a slip and fall to keep yourself safe, and compensated. Here are 10 steps that should be taken after being in a slip and fall accident.
1. Get proper medical attention
Immediately after a San Diego slip and fall accident, it is important to seek immediate medical attention. This may involve basic first aid to the injured area, calling an ambulance to come provide aid and transportation, or calling over a proper supervisor if you are a worker at the specific property piece. No matter who you are, or what you do, however, getting proper medical treatment should be your first priority after an accident.
2. Inspect the scene directly after the incident.
After proper medical treatment has been provided, look and inspect the scene of the accident. It is important that the incident does not repeat itself, as that will cause more injuries to pile up, and more people may be put at risk. Look around, and see if there are any misplaced or out of place issues, such as faulty tiles or flooring. Ensure that all spills and foreign substance leaks are properly labeled and sectioned off, and that any facility breaks are properly reported to the people at hand.
3. Take pictures and photos however possible.
Start to photograph and record any evidence around. In these situations, a picture is worth more than a description written down on a piece of paper. A picture of the facility that the accident took place in, a picture of the accident scene, and a picture of the surrounding areas of the scene can all be used as important documentation for later case building for a claim.
4. Get in touch with witnesses
Once all the photos are taken, and the scene has been documented properly, the next step is to get in contact with anyone that may have been a witness to the accident. This may include bystanders that had nothing to do with it, but any single person may count. They may also provide such things as video recording of the incident or live testimonies as well.
Having an eyewitness account means that a third party is able to provide a recount of what exactly happened, outside of the two or more parties that are directly involved with the case already. These kinds of testimonies can mean that evidence may be kept, or tossed out, as well.
5. Gather official reports
Gather up any reports or documents that may be linked to the case. This includes police reports, medical transcripts and documents, and any testing files, such as x-rays, MRI reports, or nerve testings. These documents that come straight from the sources are extremely difficult to alter, and as such, can provide a clear and defined overview of what occurred, as well as the state of the injuries.
6. Write everything down
Writing everything down, from the events that occurred, to any medical sessions and visits that may have transpired. Keeping an active log, as well as documented proof that events occurred, can help to keep track of the proceedings after the injury. It may also help to stave off any unwanted tampering by the other party to try to shake up your information flow, in an attempt to undermine your case.
7. Hire a San Diego slip and fall lawyer quickly
Hiring a San Diego slip and fall lawyer as soon as the injury is defined as enough for a case to be made can help to clean up the legal process, as well as define and simplify any questions you may have. The attorney can help to give clarity to the information at hand, as well as file away all reports, medical documents, and photos you may be holding on to.
They will also be able to contact and discuss terms and negotiations with the opposing parties, so that they do not get any chance to muddle the waters with you and lead you through legal loopholes to try to get you to settle for less.
8. Keep proper checkups for possible latent injuries
Not all injuries show right away. Many injuries such as vision impairment, motor sensory losses, and functional range of motion decreasing can all be symptoms of the accident, and can persist for quite some time. However, they do not always show right away. As such, make sure to document your health regularly, and look to get regular checkups to see if the minor symptoms you’re having are not a sign of worse to come.
9. Keep contact between parties strictly through your San Diego slip and fall lawyer
Ensure that your attorney is the only one to speak with the other parties involved, no matter the reason. Even if they are calling just to check up on you, or to get information out of you, any and all information given will be used to try to lower a settlement cost, and to take away some of your evidence in the case.
This goes for live meetings as well. In person negotiations should all be done through your attorney, who will be your guide and your protector from any unwanted advances or attempts to break your case.
10. Do not let your Slip and Fall Case Slip away
Although it may seem to take quite some time, do not give up on a slip and fall case. Your injury is real, and your symptoms are real as well. Do not let anyone tell you different, as you do deserve to get your pain compensated for if it were someone else’s mistake and misjudgement.
If you were injured in a slip and fall accident and would like to speak with a San Diego slip and fall lawyer, contact us at 1-800-219-3577. We are experienced San Diego slip and fall lawyers and will provide you with a free case evaluation.
by Paul MankinIs Herbert P. Sears Co. Harassing You?
Herbert P. Sears Co.
Herbert P. Sears Co. (HP Sears) is a third-party debt collection agency that works with healthcare, utility, government, and financial clients. HP Sears is headquartered in Bakersfield, California.
The Consumer Financial Protection Board (CFPB) is a government agency charged with protecting consumers from unfair, deceptive or abusive debt collection practices. The CFPB has received over 100 consumer complaints regarding HP Sears’ debt collection practices. Consumers most commonly complain that HP Sears engages in the following unfair and abusive debt collection practices:
- Attempting to collect a debt that is not owed by the consumer;
- Harassing consumers by making repeated and frequent calls;
- Continuing to contact consumers after being asked to cease communication; and
- Refusing to validate or provide proof of a debt.
Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold HP Sears accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.
by Paul MankinIs Merrick Bank Calling or Harassing You
Merrick Bank Corporation
Merrick Bank Corporation (Merrick Bank) provides credit cards and recreational vehicle loans. The company was founded in 1996 and is headquartered in Draper, Utah.
In the last three (3) years, the Better Business Bureau has received 415 complaints against Merrick Bank, 258 of which are related to billing and debt collection issues. The majority of the complaints allege that Merrick has attempted to collect a debt not owed by the consumer, attempted to collect a debt that has already been paid, or refused to provide validation or proof of a debt.
According to one such complaint, Merrick Bank repeatedly contacted a consumer to collect a debt. The consumer informed Merrick Bank that a fraudulent account had been opened in the consumer’s name and that the consumer wished to dispute the debt. The consumer also requested that Merrick Bank validate or provide proof of the debt. Merrick Bank refused to respond; however, the company reported the debt to the credit bureaus, which negatively impacted the consumer’s credit score.
The Federal Debt Collection Practices Act (FDCPA) allows consumers to request a creditor or debt collector to send proof of the debt. A consumer has thirty (30) days to dispute a debt and to request proof of the debt after being provided notice of the debt by the creditor or debt collector.
After four (4) months with no response from Merrick Bank, the consumer filed a complaint with the Better Business Bureau. Following the complaint, Merrick Bank accepted the consumer’s identify theft claim, and requested the account be deleted from the consumer’s personal credit file.
Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold Merrick Bank accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.
by Paul MankinIs the collection agency Agency of Credit Control, Inc. harassing you?
With multiple debt collection agencies in the world, it is not unheard of to run into one that is less than stellar. These companies that deal with collecting on debts have a running history of being brutal, aggressive, and seemingly unchecked by law. Debt collector harassment and phone calls can be excessive, and calls from collectors to you about a debt that you do not even owe can happen as well.
So how can you tell if they are speaking the truth? That is a difficult question to answer. However, simple research can help you out. We understand that you may not have the time or energy to spend into researching a company, so we have done it for you. If you have been contacted by a debt collection agency known as Agency of Credit Control Inc, here is what you need to know about them.
What is Agency of Credit Control Inc?
Agency of Credit Control Inc. is listed as a collections agency on the Better Business Bureau. They have been around for quite some time, since 1956, and have had their file open on the BBB since 1973. They have an overall A+ Rating with the BBB. However, this does not take into account customer reviews. They operate in both Colorado and Montana, with the Colorado office being the accredited business.
Is Agency of Credit Control Inc a legit Debt Collection Agency?
Agency of Credit Control Inc. is a legitimate collections agency. Their agency has been serving for 63 years so far, and have been accredited through the BBB since 2011. They hold a 4.90 star rating of 5 stars on the BBB as well, with multiple 5 star reviews. They have 3 locations that are listed on the BBB website, with one in Colorado, and two in Montana.
Agency of Credit Control Inc Contact Information
Address: 2014 S Pontiac Way Denver, Colorado 80224-2412
Other Address: 27 W Broadway St Butte, MT 59701
Other Address: 27 N 27th St Ste 18D Billings, MT 59101
Phone Number: 1-303-757-5147
Fax Number: 1-303-757-4508
Website: https://www.getitpaid.com
Does Agency of Credit Control Inc have Complaints against them?
Agency of Credit Control Inc do have a few complaints against them. Recently in their reviews, a 2019 complaint from February states that they were contacted by the debt collection agency through a robocall.
They also have 8 filed complaints against them on the BBB website database. Of those 8, 1 complaint was closed within 2019. All 8 were due to billing and collections through Agency of Credit Control Inc.
The Consumer Financial Protection Bureau Consumer Complaint Database currently lists that they have 35 complaints on file for the Agency of Credit Control Inc.
What kind of Complaints have been made?
There have been multiple complaints made, but a large percentage of the complaints have been targeted at billing and collections. The BBB complaints filed all complain of issues with debt collection misinformation. This includes attempts on collecting on already paid debts, as well as debt collector harassment through wrong number dials. There have also been complaints of non-verification for the debts.
The complaints through the CFPB state that there have been threats lodged against the victims if they did not pay. One such complaint states that they were threatened with their personal information being leaked and shared to others.
Are the Practices of Agency of Credit Control Inc Legal?
These practices are very illegal and improper of a debt collection agency. Under the FDCPA, practices such as usage of threatening language, persistent and excessive phone calls/robocalls, and improper usage of personal information or manipulation of information are all considered to be illegal. The FDCPA specifically gives you protections against such harassment and injustice.
How can I protect myself and fight back against Agency of Credit Control Inc?
There are a number of ways that you can protect yourself against such horrible harassment. The first step is to always get verification on the debt in question. If you do not recognize the debt, make sure to ask for some form of verification and authorization. This can come in the form of proper letters given, as well as over the phone information. If Agency of Credit Control Inc. is unable to provide this information, then you will have a chance to dispute the debt.
Another way you can protect yourself is to hire yourself an experienced and knowledgeable debt collection harassment lawyer or attorney. We here at Law Office of Paul Mankin, APC have a strong set of collection harassment attorneys that are able to not only help you stop the debt collector harassment, but also report the harassment to the proper authorities. They can help you build a solid case against the harassment as well, and ensure that you are properly compensated for the emotional and possible physical damage that you have sustained.
If you or someone you love has been a target of harassment, debt collector wrong number and robo calls, or have been threatened with legal abuse, then contact at 1-800-219-3577. Let us help you against the harassment of debt collectors.
by Paul MankinIs the debt collection agency Alpha Recovery Corp harassing you?
Many have heard the horror tales of being threatened by a debt collection agency. The stories of being beaten, assaulted, and having your livelihood threatened over a simple debt that could be paid off. It can seem scary, and yet, when it happens to you, it can be made many times worse.
Alpha Recovery Corps is one such company. As a debt collection agency, they may try just about every trick in the book to get you to cough up your hard-earned cash. If you have been contacted by Alpha Recovery Corps, here is what you need to know, as well as how to defend yourself against them.
What is Alpha Recovery Corps?
Alpha Recovery Corps is listed as a collection agency, offering services that include bad debt collections, asset sales, consulting services, early out self-pay methods, payment plan monitoring, debt purchasing, and early out insurance follow up. They serve the greater Denver and Central Colorado areas.
Is Alpha Recovery Corps a legit Debt Collection Agency?
Alpha Recovery Corps is a legitimate debt collection agency. They have been in operation for 9 years, started in 2010. They had their Better Business Bureau file opened in 2011 and have been accredited by the BBB since 2016. In that time, they have hired over 90 employees, and hold an A rating with the BBB. However, they currently have a 1.25 star average review of 13 customer reviews on the BBB database.
Alpha Recovery Corps Contact Information
Address: 6912 S. Quentin St. #1-, Englewood, CO 80112
Website: http://www.alpharecoverycorp.com
Phone Number: 1-877-359-8714
Other Phone: 1-720-509-2125
Fax Number: 1-866-630-6881
Does Alpha Recovery Corps have Complaints against them?
Alpha Recovery Corps currently has 43 listed customer complaints on the BBB website database. They also have multiple 1 to 2-star reviews on the BBB as well.
There are no registered complaints on the Consumer Financial Protection Bureau’s Consumer Complaint Database.
What kind of Complaints have been made?
Of the 43 complaints made within the past 3 years, 10 were closed within the last 12 months. 36 of these complaints fall under billing and collections issues, whereas 7 of the complaints fall under problems with the product or service.
The complaints made deal with a wide variety of issues. These range from issues with poor information management to consumers from the debt collection agency, to harassment and excessive phone calls and robocalls. There have also been complaints and reviews stating that the debt collection agency stooped to abuse and threatening language, threatening legal repercussions if the consumer did not pay on the debt, even if the debt was not verified. If true, some of these allegations would be considered debt collection violations of the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA).
Are the Practices of Alpha Recovery Corps Legal?
None of the practices stated in the complaints and reviews are considered legal. According to the Fair Debt Collection Practices Act, debt collectors have limitations set upon them that limit their collection practices. Per the FDCPA, debt collectors are unable to:
- Contact outside family, friends, and work
- Call excessively in the early morning, throughout the day, and late into the nights
- Use verbal or physical abusive language and actions
- Utilize misinformation or lack of verification to collect on a debt
As seen, Alpha recovery Corps has been seen to breach each of the examples given above, which puts them at harassing and abusive levels that can be punishable by law.
How can I protect myself and fight back against Alpha Recovery Corps?
There are multiple ways you can protect yourself against such predators like Alpha Recovery Corps. The first thing you can do is to verify the debt if you have been contacted. Verifying the debt should be relatively simple. Just ask for some form of authentication that shows that the debt is in your name. This can be a letter with the information, an online ID for the database search, or a number to call the original debt account. If they are unable to provide these for you, assume that they are not legitimate.
Another step to take is to hire a well-experienced and well-versed debt collection harassment attorney to help assist you against their abuse and harassing behavior. Our attorneys here at Law Office of Paul Mankin, APC have been working for years to help protect our clients against such abusive techniques. We can help you identify and document debt collector harassment, such as repeated and robocalls, and report them to the proper authorities that can deal with them.
Not only can we help you to defend against debt collector 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:
- Multiple calls per week from a third-party collection agency
- Multiple calls in the early morning or late night from debt collectors.
- Violent and belligerent language and harassment from debt collectors.
- Threats of arrests or poor credit due to outstanding debts.
- Having your friends, family, and coworkers harassed from debt collectors.
- Automated robocalls from third party collection agencies.
Then you may have a case under the Fair Debt Collection Practices Act. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment. We are experienced debt collection harassment attorneys.
by Paul MankinIs the debt collection agency Amerifinancial Solutions, LLC harassing you?
There are some debt collection agencies that deal with general collections. However, some specialize in certain areas, such as specifically collecting on physician/medical debts or business debts. These agencies pride themselves on being a cut above the rest, but still tend to employ the same underhanded techniques that are borderline illegal. So here is what you need to know about Amerifinancial solutions LLC, and how to stop Amerifinancial Solutions, LLC from harassing you.
What is Amerifinancial Solutions, LLC?
AmeriFinancial Solutions LLC is listed as a collections agency based out of Maryland. They serve the Greater Maryland area, and is a collection agency and consumer finance company. They are headed by Elizabeth A. Miller, who is said to be the president of Amerifinancial Solutions, as she presides over 20 other employees.
Is Amerifinancial Solutions, LLC a legit Debt Collection Agency?
Amerifinancial Solutions LLC is considered to be a legitimate debt collection agency. Having started in 2007, their Better Business Bureau file was opened within a month of their creation. They are not accredited by the BBB, however, and hold a 1.2 star rating out of 5 with the BBB database, as well as a B rating.
Amerifinancial Solutions, LLC Contact Information
Alternate Names: AFS, LFM Enterprises LLC
Address: PO Box 65018 Baltimore, MD 21264-5018
Other: PO Box 602570 Charlotte, NC 28260-2570
Fax Number: 1-443-753-6097
Other: 1-410-472-3600
Phone Number: 1-800-945-7184
Other: 1-800-753-7106
Other: 1-800-753-7100
Website: http://www.payamerifinancial.com
Other: https://www.payafs.com/
Does Amerifinancial Solutions, LLC have Complaints against them?
Amerifinancial Solutions, LLC has quite a few debt collection harassment complaints against them. Through the BBB database, they have over 110 complaints lodged against them within the last 3 years, with 57 of those complaints being closed within the last 12 months. They also have 18 customer reviews, with over 90% of those reviews being 1 star reviews.
There is no listing of Amerifinancial Solutions LLC within the Consumer Financial Protection Bureau’s Consumer Complaint Database. There are also no registered complaints within their database under the names AFS or LFM Enterprises LLC.
What kind of Complaints have been made?
The complaints lodged against Amerifinancial Solutions LLC are primarily dealing with the issue of billing and collections. Specifically, they state that many of the consumers state that they did not create this bill at all. As such, Amerifinancial Solutions LLC was attempting to collect on debts that were not the consumer’s to begin with.
Another issue that the complaints bring up is the abusive language and threatening actions of the representatives of Amerifinancial Solutions LLC. Many complaints state that they were threatened directly with bodily harm, as well as threats made to their family and friends.
Are the Practices of Amerifinancial Solutions, LLC Legal?
If true, these practices are absolutely not legal. The act of threatening a consumer with bodily harm goes directly against the Fair Debt Collection Practices Act (FDCPA). The Fair Debt Collections Practices Act specifically states that a debt collector may not use harassing or verbally abusive language in an attempt to collect on a debt. The laws also state that they may not use misinformation to try to confuse and manipulate consumers into paying the debt off.
Both of these laws were broken by Amerifinancial Solutions LLC. As such, it is considered illegal harassment, and is punishable by law.
How can I protect myself and fight back against Amerifinancial Solutions, LLC?
If you or someone you love has been harassed by Amerifinancial Solutions LLC, then you may be under pressure by them right now. If so, then you need to know how to protect yourself against their harassment and threatening acts.
The first thing you should do if you are being harassed by them is to ask for verification of the debt. As they have a history of using misinformation and improper personal information in attempts to make you pay on debts, asking for verification of the debt will stop them in their tracks. Verification can come in many forms, such as a written letter with the debt information. It can also be done by giving you information to get in contact with the original debt holder.
You should also contact a collection harassment attorney or consumer rights lawyer. The Law Office of Paul Mankin, APC focuses on stopping debt collection harassment. 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:
- Multiple calls per week from a third party collection agency
- Multiple calls in the early morning or late night from debt collectors.
- Violent and belligerent language and harassment from debt collectors.
- Threats of arrests or poor credit due to outstanding debts.
- Having your friends, family, and coworkers harassed from debt collectors.
- Automated robocalls from third party collection agencies.
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 MankinIs Eltman Law, PC Harassing You?
Eltman Law, PC. is a law firm and debt collection agency headquartered in Jersey City, New Jersey. The firm has been in business since 1978 and collects on many types of consumer debt. It employs attorneys licensed to practice law in California, Florida, Georgia, Illinois, Kentucky, Michigan, Missouri, New Jersey, New York, Ohio, Pennsylvania, Tennessee and Texas.
Contact Information:
101 Hudson St Fl 27
Jersey City, NJ 07302-3915
Phone: (212) 660-3100
The Better Business Bureau (BBB) has received three complaints against Eltman Law, PC in the last three years and the Consumer Financial Protection Bureau (CFPB) has received 17 complaints about the firm since 2015. These complaints allege that the company has violated the Fair Debt Collection Practices Act (FDCPA) by seizing, or attempting to seize property, attempting to collect on a debt that does not belong to the consumer, failing to provide verification of a debt, contacting third parties, and attempting to collect on debt that is too old. Several of the complaints also allege that Eltman Law, PC filed lawsuits and failed to provide the consumer with proper notice of the suit, which is required under the Rules of Civil Procedure in every state. Most of these consumers had no idea they had even been sued until their wages began being garnished or their bank account was frozen. Many consumers have also complained that when attempting to contact Eltman Law, PC they reached a recording and were never able to get a live person on the line.
Most of the complaints filed against Eltman Law, PC allege that the company continued to collect on a debt that did not belong to the consumer and failed to provide verification of the debt to the consumer. The Fair Debt Collection Practices Act (FDCPA) requires that a debt collector provide certain written information to a consumer within five days of the initial contact if the debt has not yet been paid and the information was not provided during the initial contact. This includes the amount of the debt, the name of the creditor to whom the debt is owed, and notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. The FDCPA and Rosenthal Fair Debt Collection Practice Act (RFDCPA) also prohibit a creditor or debt collector from attempting to seize property it has no legal right to seize.
If Eltman Law, PC has frozen your bank account, began garnishing your wages, refused to provide you with verification of a debt or is abusing you in any way, it is time they are held accountable for their actions. For a free, no obligation consultation, please call our office at 1-800-219-3577.