Is the collection agency Advanced Recovery Services harassing you?

by Paul Mankin

Is the collection agency Advanced Recovery Services harassing you?

Getting contacted by a loan collection agency, or by a debt collector, can be a stressful, tiring, and difficult situation to be in. However, there do come times where the one attempting to help you in these times, is also the one getting you into trouble. Such is a possible case with Advanced Recovery Services, a health company that has been working in the loan industry for close to 27 years.

What is Advanced Recovery Services?

Currently, Advanced Recovery Services is a health service listed through the Better Business Bureau. Although they are listed as a health service, their website does direct to a loan service and collections agency that has been in operation since 1992. They are headed by Mr. Wayne Hutson, who is listed as the president of Advanced Recovery Services.

Is Advanced Recovery Services a legit Debt Collection Agency?

Although the listed tag for business categories on BBB has them as Health, Advanced Recovery Services are a legitimate debt collection agency. They have been in the business since 1992, and are currently still operating through their 26th year. They have a current rating of A+ with the BBB. However, that does not factor in Customer reviews or complaints.

Advanced Recovery Services Contact Information

Address: 1711 North 6 ½ Street, Terre Haute, IN 47804-2700

Website: https://advancedrecoveryservices.net/

Phone Number: 812-478-2784

Advanced Recovery Services has no other contact information listed.

Does Advanced Recovery Services have Complaints against them?

Currently, Advanced Recovery Services has no listed complaints through their BBB page. They also hold no complaints through the Consumer Financial Protection Bureau Consumer Complaint Database.

Does this mean they are completely trustworthy?

Although there are no listed complaints against the company known as Advanced Recovery Services from Indiana, that does not mean they are completely without fault or possible problems. There are numerous other companies that hold close or extremely similar names that have complaints against them.

A company known as Advanced Recovery Service, located and run in Ohio, has two complaints against them. Although this is just a difference in one letter off of their name, it is somewhat plausible that the complaints ended on a different site. This is due to debt collection and loaning misguidance, as the complaints both list that Advanced Recovery Service had informed the victim of a certain scenario that was

There are a number of other similarly linked businesses that hold close to very similar names and business titles. However, this does not cement the possibility that Advanced Recovery Services have made these errors. It is just a possibility.

Are the Practices of Advanced Recovery Services Legal?

From what is seen so far, it is acknowledged that Advanced Recovery Services use common and appropriate practices that do not violate the FDCPA and other such laws. However, this does not mean they are above such practices in the practice of collecting on their loans and collections.

Many debt collection agencies will either be borderline illegal with their collection practices, or will illegal when attempting to collect. Things such as debt collector harassment and debt collector calling through wrong numbers are just a few simple ones that come to mind. These practices are all considered to be illegal through the FDCPA, as they state that it is improper to harass and abuse a person to try to collect on a debt.

How can I protect myself and fight back against Advanced Recovery Services?

Protecting yourself against debt collector harassment can be done in a few different ways. THe first is to do research on your own. If you have been contacted by Advanced Recovery Services, and feel that you have been getting harassed by debt collectors in different ways, then you may be entitled to compensation for your time. In the best case scenarios, you should look to get a debt collector harassment lawyer or attorney who is skilled and experienced in dealing with debt collectors, to help solidify your case for you.

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 Mankin

Is the debt collection agency American Credit and Collections, LLC harassing you?

When dealing with debt collectors and representatives, it can sometimes be a grueling task. Not only do they seem to be talking circles around you, half of the things they say don’t really make sense. It seems like they are just trying to spin you around in circles in hopes that you pay the bill. However, if you don’t pay, it seems like you may be in a lot of trouble. So what should you do?

Debt collection agencies such as American Credit and Collections LLC use these tactics and mindsets against you, hoping that you will cough up the money to them whether or not you owe it. So how do you combat this? And is it even legal for them to do these practices? Here is all you need to know about American Credit and Collections LLC, and how to defend yourself against them.

What is American Credit and Collections, LLC?

American Credit and Collections LLC is stated to be a debt collection agency working out of Houston, Texas. They are said to serve the Greater Houston and South Texas areas, and are said to have been doing so for many years.

Is American Credit and Collections, LLC a legit Debt Collection Agency?

Unfortunately, American Credit and Collections LLC is a potentially legit debt collection agency. They have had their Better Business Bureau file opened in 2005, and is said to be run by Ms. Sidney Shapino, who is listed as the General Manager of the agency. They currently are not rated by the BBB, and are not accredited either, as the BBB does not have sufficient information from the company to make a rating.

American Credit and Collections, LLC Contact Information

Address: 1880 S. Dairy Ashford Houston, TX 77077

Other Address: 8700 Commerce Park Dr. Houston, TX 77036-7497

Phone: 1-713-774-3235

Does American Credit and Collections, LLC have Complaints against them?

There are currently no listed complaints against American Credit and Collections LLC.

There is no listed information on American Credit and Collections LLC within the Consumer Financial Protection Bureau’s Consumer Complaint Database. They do not have any registry of an American Credit and Collections LLC.

However, there is also information that states that they go by a different name as well. According to complaints lodged on debtconsolidationcare.com, among their forums, one states that they have been contacted by a American Credit & Collections LLC based out of Philadelphia, PA. They state that they go by AM Mortgage as well, and service the surrounding areas.

This forum board states that they have a history of sending fraudulent phone calls, as well as harassing consumers about debts not owed, or false debts in an attempt to solicit payment.

A search of AM Mortgage yields no results within the CFPB’s CCD.

Are the Practices of American Credit and Collections, LLC Legal?

As listed within the debt consolidation care database, the complaints made show that American Credit and Collections LLC may be using illegal or borderline legal business practices. Constant harassment of consumers, as well as harassing phone calls, are considered improper by the Fair Debt Collection Practices Act’s (FDCPA) standards and laws. Because of this, it is safe to say that some of the practices of American Credit and Collections are not legal.

How can I protect myself and fight back against American Credit and Collections, LLC?

There are many ways that you can protect yourself against the representatives and debt collectors from American Credit and Collections LLC. The first step is to always ask for proper identification of the debt. This can be an original letter stating the debt, an authorization of debt from the original debtor, or a code to access the information online.

Another thing to do is to hire an experienced debt collection harassment attorney or consumer protection lawyer. If you have been harassed, or are being currently harassed by debt collectors from American Credit and Collections LLC, let us at the Law Office of Paul Mankin, APC help you protect yourself and to fight back. We have an experienced team of debt collection harassment lawyers and attorneys that know how to identify debt collection harassment, as well as put a stop to it and report it to the proper authorities.

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 by 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 Mankin

Is the debt collection agency Allied Account Services, Inc., harassing you?

What is Allied Account Services, Inc.?

Founded in New York in 1976 and incorporated in 1982, Allied Account Services, Inc. conducts debt collection nationwide. The debt collection agency has approximately 50 employees and is a member of both the Association of Credit and Collections Professionals and the New York State Collectors Association. It operates under its president, Mr. James Mott.

Is Allied Account Services, Inc. a legit Debt Collection Agency?

Allied Account Services, Inc. has been recognized by the Better Business Bureau (BBB) since 1985, accredited since December 2017, and it maintains an A+ BBB rating. The company has responded to its BBB complaints and appears to operate as a legitimate debt collector. Allied Account Services, Inc. is not known to conduct business under any other aliases, though other aliases are possible.

Allied Account Services, Inc.’s Contact Information:

422 Bedford Avenue

Bellmore, NY 11710-3545

(516) 783-9500 (phone)

(800) 486-2929 (toll free)

(516) 783-4059 (fax)

http://www.alliedaccountservices.com

What kind of complaints does Allied Account Services, Inc. have against them?

Allied Account Services, Inc. has received 2 BBB consumer complaints and 28 Consumer Financial Protection Bureau (CFPB) complaints. Allied Account Services, Inc. has a mix of complaints against it, including communication issues like failing to provide enough information for the debtor to verify the debt attempting to be collected or speaking with a third party about the debt. The most serious complaints appear to concern incidents of negative credit reporting or refusal to remove disputed credit lines even after they are proven inaccurate or unreportable.

Are Allied Account Services, Inc.’s Practices Legal?

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are required to use certain notices and are prohibited from using certain tactics when attempting to collect on debts. Some of the consumer complaints lodged against Allied Account Services, Inc. represent activity that might violate the Fair Debt Collection Practices Act or Rosenthal Fair Debt Collection Practices Act, including harassing consumers by repeatedly calling and then refusing to provide information sufficient to identity the debt or even refusing to discuss possible payment options.

How can I defend myself against a debt collector like Allied Account Services, Inc.?

Complaints regarding New York-based collectors can made by calling DCA at 311 or (212) NEW-YORK. More information for debtors in New York can be found out https://www1.nyc.gov/assets/dca/downloads/pdf/consumers/Consumers-Debt-Collection-Guide-English.pdf. For more information about Utah State’s consumer resources, see the Consumer Referral Guide. 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.

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 Mankin

Is Synchrony Bank Calling or Harassing You

Synchrony Bank

Synchrony Bank provides banking products and services, including credit cards for retailers such as Amazon, American Eagle, TJ Maxx, and Gap. Synchrony Bank was founded in 1988 and is headquartered in Draper, Utah. Synchrony Bank is a subsidiary of Synchrony Financial.

The Consumer Financial Protection Bureau (CFPB), a Government agency charged with protecting consumers from unfair, deceptive and abusive debt collection practices, has received approximately 4,000 complaints against Synchrony Bank for its debt collection practices. Consumers allege that Synchrony Bank has engaged in the following illegal debt collection practices:

• Attempting to collect a debt that is not owed by the consumer;
• Attempting to collect a debt that has been paid;
• Attempting to collect more than what is owed;
• Harassing consumers by repeatedly and frequently calling;
• Improperly discussing the consumer’s debt with a third party; and
• Refusing to validate or provide proof of a debt.

One consumer reported that Synchrony Bank called twenty (20) times in one day. The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) prevent creditors and debt collectors from abusive and harassing debt collection practices. This includes calling consumers repeatedly or continuously with the intent to annoy, abuse or harass. Although federal and state law does not state the exact number of calls that would constitute harassment, there is a large volume of case law that interprets three (3) or more calls a day from the same debt collector to be harassing. The consumer filed a complaint with the CFPB. Synchrony Bank resolved the matter and provided monetary relief to the consumer.

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 Synchrony accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.

by Paul Mankin

Is Pacific Credit Services, Inc. Harassing You?

Pacific Credit Services, Inc.

Pacific Credit Services, Inc. (PCS) is a third-party debt collection agency located in Watsonville, 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 reports from consumers that PCS engages in unlawful debt collection practices, including trying to collect debts that are not owed by the consumer.

The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) regulate debt collectors and creditors’ communication with third parties. When a debt collector mistakenly contacts somebody other than the intended consumer, then the debt collector has effectively contacted a third party and is not permitted to continue to contact that person.

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 PCS accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.

by Paul Mankin

Is the collection agency Advanced Capital Solutions, Inc. harassing you?

Debt collector harassment and credit card company harassment can come in many forms. Debt collection is one of the most stringent and difficult businesses to deal with, as you may be hounded and threatened for various reasons as they attempt to illicit payment from you in one way or another.

These debt collection agencies, such as Advanced Capital Solutions, Inc, may attempt to use specific methods and practices that may or may not be illegal under law. However, do all businesses practice these ways? Is Advanced Capital Solutions, Inc, utilizing proper methods? Here are some notable points to take if you or a loved one has been contacted by Advanced Capital Solutions, Inc.

What is Advanced Capital Solutions, Inc?

Advanced Capital Solutions, Inc, is listed as a collection agency based out of Ohio. Relatively new, they were established in 2012, and are currently licensed through the Maryland Department of Labor, Licensing and Regulation, as well as the State of Washington Business Licensing Service.

Is Advanced Capital Solutions, Inc a legit Debt Collection Agency?

Yes, they are a legitimate Debt Collection Agency. They were established on 9/25/2012 in Ohio, with their Better Business Bureau file being opened on 10/24/2013. They are currently not accredited through the BBB, and hold a B Rating with the BBB as well after 17 customer reviews. THe BBB rating does not take into account Customer Reviews.

Advanced Capital Solutions, Inc Contact Information

Address: 5553 Whipple Ave NW Ste 5 North Canton, OH 44720-7760

Phone Number: 1-(888)-907-4082

Other Phone: 1-(855)-477-8864

Fax Number: 1-(716)-748-8000

Website: http://www.advancedcapsolutions.com

Email: [email protected]

Does Advanced Capital Solutions, Inc have Complaints against them?

Advanced Capital Solutions, Inc currently have 65 total complaints listed against them on the BBB within the last 3 years. Of those, 24 complaints were closed within the last year.

The Consumer Financial Protection Bureau Consumer Complaint Database currently holds no complaints for Advanced Capital Solutions, Inc.

What kind of Complaints have been made?

Of the 65 complaints lodged against Advanced Capital Solutions Inc, 60 of them have been in regards to billing and collections. The other 5 had issues with the service and product served by the company.

The most recent complaint of 09/27/19 lists that Advanced Capital Solutions Inc. had attempted to use a number changer in an attempt to hide their number so that they could call a victim multiple times. There is a complaint from 08/06/19 that states that there may have been an attempt at scamming using the number from Advanced Capital Solutions Inc. as well.

Lastly, there are multiple complaints stating that they were threatened with legal action on multiple occasions if they did not pay their debt off, even if they challenged that they did not have a debt to begin with, and that there was no proof of the debt available.

Are the Practices of Advanced Capital Solutions, Inc Legal?

The practices listed above are all to be considered illegal. Masking of the phone numbers is a violation of information, and abusive phone calls violate the FDCPA laws.

The Fair Debt Collection Practices Act is seen as the federal law that governs over debt collection practices. These laws protect people such as yourselves against abusive behaviors and harassment.

Debt collector harassment can be, but is not limited to:

• Harassing phone calls
• Abusive or threatening language used
• Improper information or misinformation handling

How can I protect myself and fight back against Advanced Capital Solutions, Inc?

If you or a loved one have been contacted by Advanced Capital Solutions Inc, and have been harassed and threatened, then you need to take precautionary steps. The safest and simplest option is to hire yourself an experienced and knowledgeable debt collector harassment lawyer and attorney.

We here at The Office of Paul Mankin, APC have a strong and experienced team of debt collector harassment lawyers and attorneys that are willing to help you and assist you with getting back compensation for the harassment of debt collectors. We are able to help you identify debt collector harassment, as well as stop the harassment, and report the harassment to the proper authorities.

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 Mankin

Is the collection agency Affiliate Asset Solutions, LLC harassing you?

With multiple debt collection agencies entering into the business, it can be difficult to figure out who is legitimate, and who is not. The chances of you running into a scammer or illegal debt collector can be quite high, and it is important to screen those that may attempt to scam you out of your hard earned cash. Affiliate Asset Solutions, LLC, is a current name in the debt collection industry. But, are they a scam?

What is Affiliate Asset Solutions, llc?

Affiliate Asset Solutions, LLC, is considered to be a collection system out of Georgia. They work to collect on debts of different people, and get it paid back in a timely manner, as based on their website.

Is Affiliate Asset Solutions, llc a legit Debt Collection Agency?

Yes, they are a legitimate agency. Started in 2015, they are a relatively new company that has been operating for approximately 4 years now. They are also known by Affiliate Asset Solutions, and have been accredited with the Better Business Bureau since 7/15/2016. They are headed by Tim Parks, who is listed as the vice president of operations. They hold a BBB rating of A-. HOwever, that does not take into account Customer Reviews on the BBB.

Affiliate Asset Solutions, llc Contact Information

Address: 145 Technology Pkwy STE 100, Peachtree Corners, GA 300092-2913

Phone number: 1-(855)-820-5237

Website: http://www.affiliateas.com

Email: [email protected]

Does Affiliate Asset Solutions, llc have Complaints against them?

Currently, Affiliate Asset Solutions, LLC, has quite a few complaints lodged against them. Within the BBB, they have 46 customer complaints against their company. Of those 46, 19 were closed within the last 12 months as of this article. There were 38 complaints with regard to billing and collections, 7 in regards to problems with a product or service, and 1 with regard to advertising and sales.

Although there are no complaints directly against Affiliate Asset Solutions, LLC, within the Consumer Financial Protection Bureau’s Consumer Complaint Database, their names are linked with a few other companies as well that hold complaints. Those also pertain to improper filings and billings of debts.

What kind of Complaints have been made?

The primary complaint that has been made against Affiliate Asset Solutions, LLC, has been about billing and improper billing techniques. The most recent complaint against Affiliate Asset Solutions LLC comes on 11/14/19 where a victim states that they were billed for a debt to Pendrick Capital Partners. The bill in question was a medical debt number close to $3,000. However, the victim states that they had never engaged in activity with Pendrick Capital Partners or Travis County. This seems to be a case of improper information and misguided information.

Another complaint made on 10/17/19 states that Affiliate Asset Solutions LLC was a scam, and that they had been contacted about a $900 balance that was not theres.

Even further along, on 9/30/19, a complaint states that AAS had attempted to use unethical and illegal debt collection practices in an attempt to extort money out of a victim that had an improper bill of close to $1,500. These practices included multiple harassing phone calls all day, to abusive and negative language used in an attempt to get the victim to pay instead of get valid information.

Are the Practices of Affiliate Asset Solutions, llc Legal?

Almost none of the listed practices above are legal in any state. The FDCPA is a set of laws that specifically requires debt collection agencies to adhere to rules and guidelines to prevent abusive power moves. These include practices such as:

• Aggressive and abusive language to victims and clients
• Using improper or misinformation
• Robocalls or harassing phone calls

These laws are specifically made to protect debtees from being targeted or physically abused and harmed due to a debt. It gives the debtors some fighting power against the harassment, and ensures that there is fair play against unjust attempts at collecting, especially if the debt is not in their name.

How can I protect myself and fight back against Affiliate Asset Solutions, llc?

There are quite a few ways to fight back against such tactics like the practices used by Affiliate Asset Solutions LLC. The first way is to validate any and all charges that are being made. This means that verifying the balance is a top priority. If AAS attempts to collect, and calls you up with regard to a debt, ask to see proper identification. Ask to see verification notices, as well as direct information linked to the debt. If they cannot provide the verification documents, then there is a chance that they are attempting to extort you.

Another way to protect yourself and fight back is to hire an experienced and well-versed debt collector harassment lawyer that will be able to help you. Here at the Law Office of Paul Mankin, APC, we have plenty collection harassment lawyers and attorneys that can help to get you on the right path to fighting back against debt collection harassment.

Our attorneys are able to help you understand how long debt collectors are able to harass you for, as well as how to stop their harassment, and how to report their debt collection practices if they are illegal. They can assist you in understanding what is considered to be harassed by a debt collector, as well as help build a case against the debt collectors to help you get compensation in the case of illegal activities.

Remember, there is always a way to fight back. So don’t wait. If you feel you have been a victim of:

• Robocalls
• Harassment by Debt collectors
• Abusive or threatening language from debt collectors
• Threatening letters
• Improper or misinformation with regards to debts

Then you may have a case that can get you compensation for the harassment. Give us a call now, and start the fight back.

by Paul Mankin

Is the debt collection agency American Recovery Service harassing you?

With so many debt collection agencies currently in business, it’s hard not to be terrified of the harassing collection calls that you may receive. Being called and having to deal with debt collector harassment about a credit card company hounding you for money can be extremely stressful, as well as mentally taxing.

The same can be said if you have been contacted by American Recovery Service. If they have attempted to contact you, here is what you need to know, and how to protect yourself from possibly being caught in their trap.

What is American Recovery Service?

There are multiple companies and businesses that are listed with the name of American Recovery Service in the Better Business Bureau’s database. However, there is one that is currently listed as a collections agency. This ARS is known as a Patrick K. Willis Company, and is located within Northeast California, serving the Northeastern part of California, and the surrounding areas.

Is American Recovery Service a legit Debt Collection Agency?

They are considered to be a legitimate debt collection agency. With multiple locations, they have been in business for close to 35 years, and have been accredited by the BBB since 2017. They currently hold an A+ rating with the BBB, but hold a 1 star out of 5 stars in average customer reviews.

American Recovery Service Contact Information

Address: 5118 Robert J Mathews Pkwy El Dorado Hls, CA 95762-5703

Other Address: PO Box 4917 El Dorado Hls, CA 95762-0026

Website: http://americanrecoveryservice.com/

Phone Number: 1-800-398-6480

Fax Number: 1-855-657-3613

Does American Recovery Service have Complaints against them?

American Recovery Service has quite a few complaints lodged against them. On the BBB database, they currently have 1 complaint lodged against them, which was within the last 12 months since the publication of this article. They also have 3 complaints that all rate the ARS company at 1 star or below.

On the Consumer Financial Protection Bureau’s Consumer Complaint Database, there is no listing for American Recovery Service, only American Recovery Service Inc. which is considered to be a different entity. However, a search of an alternate name for ARS, Patrick K Willis Company Inc, provides 75 matches to complaints against the company, with as many as 20 within the year 2019.

What kind of Complaints have been made?

The complaints are primarily dealing with debt collection, as well as credit reporting and credit card debts. Of the 75 complaints made against American Recovery Service, there were 70 tagged as debt collection problems, with the other 5 spanning a variety of issues.

Through the BBB, there have been complaints against the company for mismanaging information, as well as poor customer service. One complaint made note that they had attempted to contact ARS about a debt, and they took over 2 weeks to get back in contact.

Are the Practices of American Recovery Service Legal?

Although it may not seem like it, many of these practices are quite illegal and improper. The most notable issue and complaint can be traced to the usage of information, or the illegal usage of information. As stated in multiple complaints, ARS attempted to use improper information in an attempt to elicit payments through shallow and veiled threats.

Not only that, many of the complaints state that the representatives had been verbally abusive to the consumers, as well as their family members. In the Fair Debt Collection Practices Act (FDCPA) rules and laws, it specifically states that a debt collection agency may not verbally harass and/or abuse the consumer, or contact their relatives, in an attempt to collect on the debt. As such, this clearly shows that ARS are conducting illegal collections, and using illegal methods and practices.

How can I protect myself and fight back against American Recovery Service?

If you or a loved one have been contacted about a debt pertaining to American Recovery Service, or a Patrick K Willis Company Inc, then it may be time to protect yourself. The first step to protecting yourself is to ask for authorization and verification of the debt. This can be done in a multitude of ways, such as asking for a written letter of verification, or asking for the original debt holder’s information so that you can get in contact with them. Either way, if the company is unable to verify the debt for you, you are not required to pay the debt at all.

Another great step is to hire yourself a well experienced debt collection harassment attorney. We here at the Law Office of Paul Mankin, APC have a strong team of experienced and talented attorneys and lawyers that have all had experience dealing with debt collectors, and their crud tactics. We are able to help assist you in identifying debt collector harassment, as well as stop the harassment, and reporting the harassment to the proper authorities.

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 Mankin

Is the collection agency Ace Recovery, Inc harassing you?

Ace Recovery, Inc. (aka Ace Billing Group, Inc., aka Ace Billing Inc., aka Ace Recovery Services)

Ace Recovery, Inc. opened its doors on April 1, 1992, but its founding was no April fool’s joke—in fact, the business has been active for 27 years and going. Located in Painesville, Ohio, Ace Recovery manages workers’ comp-industrial claims and secondary-to-Medicare claims, offing: end-to-end claim management, claim status management, account receivables management, secondary insurance billing, incoming patient calls, old account receivables recovery, claim denial review, appeal of all denied or low paid claims, and more. Like many debt collectors, Ace has operated under different entity names and may still operate under different names for different purposes, including but not limited to Ace Billing Group, Inc., Ace Billing Inc., and Ace Recovery Services.

450 Blackbrook Road

Painesville, OH 44077

(440) 856-7000 (phone)

(800) 959-5223 (toll free)

(440) 856-2577 (fax)

http://www.acebillinggroup.com

A Better Business Bureau (BBB) file was opened for Ace Recovery, Inc. on September 10, 1992 but does not report any consumer complaints. The collector is not BBB accredited and has no BBB rating. A BBB file for one of Ace’s alias companies, Ace Billing Inc., was opened in March 2019. This file reflects a business start date of June 12, 2013 but uses the same address, website, and phone numbers as those used by Ace Recovery, Inc. Unlike Ace Recovery, Inc., however, Ace Billing Inc. has earned an “F” rating from the BBB and has some poor consumer reviews.

Negative consumer reviews primarily include complaints about calls from false numbers and leaving threatening messages, as well as repeated calls from the collector even after they’ve been notified the person they are trying to reach is not reachable at that number. Several additional phone numbers associated with Ace Recovery’s lawful, as well as potential unlawful, collection efforts include:

(440) 856-7000

(800) 959-5223

(440) 856-2577

(440) 856-7000

(800) 959-5223

(440) 856-2577

(440) 856-7000

(800) 959-5223

(440) 856-2577

Ace Recovery is not a scam—it is a legitimate debt collector, but that does not mean they do not use immoral or unlawful collection tactics. If you have received harassing calls from phone numbers associated with Ace Recovery or from Ace employees using false numbers, your rights might be violated. Likewise, if Ace Recovery continues to call you after you have made a formal request for them to cease calling and/or have notified them that they debt attempting to be collected either belongs to someone else or otherwise is not owed by you, you may have a claim against Ace Recovery for debt collector harassment.

To learn more about the laws governing debt collection and debt collectors in Ohio, see Ohio Attorney General’s Office debt collection FAQ. To file a complaint against Ace Recovery, you can go through a business reputation firm like the Better Business Bureau (see BBB complaints) or go directly the the State. Complaints against Ohio-based debt collectors may be filed with the Ohio Attorney General’s Office at www.OhioAttorneyGeneral.gov/Individuals-and-Families/Consumers/File-A-Complaint or by calling (800) 282-0515.

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 collection agency harassment attorney immediately. Contact us today at 1-800-219-3577 to discuss your matter and see how we can help at no cost to you.

by Paul Mankin

Stefanie Lawley

STEFANIE LAWLEY, PARALEGAL

Location:  California

Phone:     310-776-6337

Fax:         323-207-3885

Stefanie is a seasoned paralegal with over 10 years of experience specializing in personal injury and products liability litigation.  At The Law Office of L. Paul Mankin, Stefanie is directly involved with all personal injury and products liability cases from the initial contact with the client until resolution.  She is able to use her years of case and litigation experience to ensure each case is handled professionally and compassionately, in order to obtain the best possible outcome.

Stefanie holds a Bachelor’s Degree in Management from Purdue University as well as a Paralegal Certification from The American Institute for Paralegal Studies.  She was born and raised in Iowa and moved to Dallas, Texas after graduating from Purdue, where she resided for twelve years before relocating to San Diego two years ago.  When Stefanie is not in the office, she enjoys spending time with her husband and dog, preferably at the beach.   She is an avid lover of animals, travel, scuba diving, movies, comics, music, and The Dallas Cowboys.