by Paul MankinPrivacy Policy
Our law firm recognizes and respects your privacy. We want you to make the most of this Web site and to feel confident while doing so. The following discloses the information collection, use and disclosure practices for this domain. This policy does not address information obtained offline.
Or you can reach us by telephone at the number posted on this page.
WHAT PERSONAL INFORMATION DO WE COLLECT?
When you visit the public area of this website, you remain anonymous. To the extent you use forms, chats and e-mail links via the Web site, or call us via phone to communicate with us or anyone affiliated with us and provide us with personally identifiable information, however, you will not remain anonymous. Because it is impossible to predict every conceivable context in which such information might be provided to us via e-mail, we can provide you no assurance that personally identifiable information you choose to provide to us via e-mail will be maintained as private.
This website uses “cookies.” Cookies are small text files that are placed on a visitor’s computer hard drive that allow us and/or the host of this Web site to record how many times a user or computers within a user’s network of computers has visited the Web site, the number of times various pages of the Web site have been accessed and to track the user’s home page customization preferences. You may disable receipt of cookies using features of your Web browser that disable or turn off cookies. We do not use cookies to retrieve information that is unrelated to your visit to or your interaction with this Web site.
We collect your Internet Protocol (IP) address. An IP address is a number that is assigned to your computer when you use the Internet. The IP address data that we collect does not contain any personally identifiable information about you and is used to administer our site, to determine the numbers of different visitors to the site and to gather demographic data. However, when you submit information via this website, that information becomes identifiable and is kept on record as having come from your IP address. This information may be used to identify you on subsequent visits to this site, and to other sites associated with it, and to personalize your user experience.
The non-personally identifiable data that this website collects is accessible by certain firm personnel as well as certain third-party Web site designers and personnel involved with the third-party service that hosts the Web site. We use all non-personally identifiable data that we collect internally and together with our Web site designer and host in order to improve the Web site. The information is used, for example, to evaluate what portions of the Web site are more popular than others, to determine where visitors to the site came from, and to determine how many times and how often particular pages of the site were accessed. We may use the data to prepare reports regarding Web site activity as part of the process of maintaining and improving the site.
WHAT STEPS DO WE TAKE TO PROTECT YOUR PRIVACY?
To the extent permitted by law, we will not sell, share, or otherwise disclose any of the information collected online without your express permission.
WHAT ARE THE PRIVACY POLICIES OF SITES TO WHICH THIS WEB SITE LINKS?
We provide links to third party Web sites that we do not control. Therefore, we urge you to review the privacy policies posted on these third party Web sites at the time you first visit such sites. We assume no obligation to review or ensure enforcement or compliance with the privacy policy of any Web site to which we links.
WHAT ABOUT CHILDREN’S PRIVACY?
We do not knowingly collect personally identifiable information from any children under age 13.
IS DATA STORAGE AND PROCESSING CONDUCTED IN THE UNITED STATES?
Regardless of where you are located, the site collects information and processes and stores that information in databases located in the United States.
CAN WE REVISE THIS PRIVACY POLICY?
Due to the rapidly evolving technologies on the Internet, we may occasionally update this privacy policy. All revisions will be posted here Web site. We therefore urge you to review its Privacy Policy frequently.
WHAT IF I HAVE QUESTIONS ABOUT THIS PRIVACY POLICY?
Our Firm welcomes questions and comments this website and about this policy. You are welcome to call us with your comments and questions at the number listed on this page.
by Paul MankinIs General Revenue Corporation Calling You?
General Revenue Corporation is a debt collection agency located in Mason, Ohio. It has been in business since 1981 and also uses the name GRC. The agency collects on past due student loans and is owned by Navient Corporation, a student loan servicing and collection company.
Contact Information:
4660 Duke Dr Ste 200
Mason, OH 45040-8466
Phone: (800) 234-1472
The Better Business Bureau (BBB) reports over 74 complaints filed against General Revenue Corporation in the last three years. These complaints allege that the company:
- Leaves repeated voicemail messages made by robo-callers which are of too low quality to understand
- Makes repeated calls to third parties about a consumer’s debt
- Demands that consumers provide them with personal information before they tell them why they are calling
- Continues calling consumers in an attempt to collect on a debt after being told they have the wrong person
- Refuses to identify themselves as a debt collector when a consumer returns a telephone call
- Fails to provide consumers with debt verification information
- Falsely reports information to credit reporting agencies
Some of these practices may violate the Fair Debt Collection Practices Act (FDCPA), a federal law that prohibits debt collectors from using unfair, abusive, or deceptive practices in order to collect on a debt. The Act specifically prohibits practices such as:
- Repeatedly contacting third parties about a debt
- Falsely implying that a consumer will be arrested if they do not pay
- Calling consumers before 8:00 a.m. or after 9:00 p.m.
- Charging fees not allowed for in the original contract
- Reporting false credit information
- Refusing to provide a consumer with verification of a debt it is attempting to collect
- Failing to read consumers the mini-Miranda warning
- Making telephone calls without properly identifying themselves
Any harassing, deceptive, or abusive practice used by a debt collection agency may also violate the FDCPA or other state or federal consumer protection laws and if those practices are being employed by an debt collector in an attempt to collect a debt from you, they may owe you money.
If you believe that General Revenue Corporation is using unfair, deceptive, or abusive practices in order to collect a debt from you, it is time to hold them accountable for their actions. Please contact our office for a free, no obligation case review at 1-800-219-3577.
by Paul MankinTerms of Use
The information provided in these pages is not legal advice, and should not be relied on as such. The content on these pages is for informational purposes only, and is meant as a starting point on your search for answers to your legal questions.
The law is constantly changing and evolving.
We can not guarantee that all information contained in this website is up to date at all times.
Therefore, we recommend that you contact an experienced attorney in your area to guide you through your legal matter.
When you speak with our attorneys and staff, everything you tell us about your case is confidential. However, we do not represent you (in court or otherwise) unless and until a retainer agreement is signed by both you and us, and a retainer is received.
Nothing in this website should be taken to create an attorney-client relationship.
We may offer any person a no-obligation initial consultation. This in no way obligates us to represent you, or to answer any specific questions. We reserve the right to deny a consultation to anybody, for any reason.
This disclaimer applies to all pages and content contained in this domain.
by Paul MankinAnti-spam
We have a strict policy against spamming. We forbid the sending of unsolicited bulk emails or emails of any kind in connection with the marketing of our websites or attorneys.
Our definition of spamming is any activity whereby you directly or indirectly transmit email messages to any email address that has not solicited such email and does not consent to such transmission.
In addition, we consider it spamming to post ads in newsgroups in violation of the rules of the newsgroup, in posts that are off-topic, or in groups that do not explicitly permit ads. This goes for the placement of ads on message boards, forums and chat rooms against the terms of participation in such sites.
If you are “spammed” by anyone regarding our website, services, or any matters relating to us our our attorneys, please report this to us directly.
by Paul MankinIs the debt collection agency Advanced Call Center Technologies, LLC harassing you?
What is Advanced Call Center Technologies, LLC?
Founded in 1996, Advanced Call Center Technologies, LLC (ACT) provides customer relationship management outsourcing programs for customer service, sales support, fraud and dispute management, claims processing, and a wide variety of other programs. ACT is based in Pennsylvania and operates in five additional states: Arizona, California, Kansas, Texas, and Tennessee. It is operated by its president, Mr. Joseph Lembo, and director of business services, Ms. Kristine Pizzirani.
Is Advanced Call Center Technologies, LLC a legit Debt Collection Agency?
ACT has been accredited by the Better Business Bureau (BBB) since 2008 and maintains an A+ rating by the BBB. The company has responded to its one BBB complaint and appears to operate as a legitimate debt collector. Its reported services, however, do not align with that of a collection agency, and its response on the BBB website was simply an acknowledgment of the complaint’s existence rather than a substantive comment or attempt at resolving the consumer’s problem. Despite its BBB accreditation, it appears that Advanced Call Center Technologies, LLC may not be operating as a legitimate debt collection agency.
Advanced Call Center Technologies, LLC Contact Information:
1235 Westlakes Dr Ste 160
Berwyn, PA 19312-2417
(423) 283-5000 (phone)
(866) 704-5580 (toll free)
(610) 640-4981 (fax)
What kind of complaints does Advanced Call Center Technologies, LLC have Complaints against them?
Advanced Call Center Technologies, LLC has received one BBB consumer complaint and 27 Consumer Financial Protection Bureau (CFPB) complaints. The complaints against Advanced Call Center Technologies, LLC predominantly including the following:
- Repeated automated calls regarding debt that isn’t owed
- Calls from multiple numbers that revolve to evade call blocking
- Talking to a third-party about a consumer’s debt
- Threatening to contact someone or share information improperly
- Missing information that the collector should have provided to the complainant or reported elsewhere
- Problem with personal statements of dispute
In 2010 Texas resident Allen Jones was awarded more than $1.5 million in a lawsuit over obscene and racist voicemail messages allegedly left by Advanced Call Center Technologies debt collectors. They were trying to collect an $81 credit card debt that Mr. Jones insisted had already been paid.
The following phone numbers have been reported as being associated with collections calls from Advanced Call Center Technologies, LLC:
(866) 704-5580
(520) 417-7900
(928) 314-9300
(916) 830-9603
(928) 314-9349
(785) 210-0435
(956) 366-4029
(423) 283-5029
(423) 283-5023
(876) 632-5435
Are Advanced Call Center Technologies, LLC’s Practices Legal?
The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect personal debts, including credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts. Under the FDCPA, debt collectors are, generally, allowed to call, send letters, send emails, or even send text messages to collect on debts, but they are not allowed to bother consumers at inconvenient times without the debtor’s permission or at locations such as a debtor’s place of employment unless personal calls are permitted by the employer.
Some of the consumer complaints lodged against Advanced Call Center Technologies, LLC represent activity that might violate the FDCPA, including speaking to third parties about an individual’s debt and attempting to collect without providing sufficient information for the contacted individual to identify the alleged debt. In addition to state remedies, each violation could mean a $1,000 penalty under federal law.
How can I defend myself against a debt collector like Advanced Call Center Technologies, LLC?
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 collector harassment, see FTC Debt Collection pamphlet.
Complaints regarding Pennsylvania-based collectors can made by submitting an online complaint form at https://www.attorneygeneral.gov/submit-a-complaint/
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 debt collection harassment attorney or debt collector harassment lawyer immediately. Contact us today to discuss your matter and see how we can help at no cost to you.
by Paul MankinHow are Debt Collectors Allowed to Contact Me?
Communications from a debt collector may be via telephone, e-mail, text message, letter, and even in person. The Fair Debt Collections Practices Act (FDCPA) does not prohibit any means of communication except postcard. There are however rules about when and where communication may occur, what the collector is allowed to say, and when they must stop communicating with you.
Prohibited Communications Under the FDCPA
The FDCPA does not allow a debt collector to contact a consumer at unusual times or unusual places. To be specific, they may not call you before 8:00 a.m. or after 9:00 p.m. your time. So if a collector is in a different time zone, where it is 8:00 a.m., but it is only 7:00 a.m. in your time zone, they may not call you without reason to believe that it is after 8:00 a.m. in your time zone. They are also specifically prohibited from contacting you at work if they know your employer does not allow personal calls. Other times or places may be considered unusual under the law even though they are not specifically mentioned in the Act.
Debt collectors are required by the FDCPA to tell consumers certain things during communications and also to refrain from saying certain things. A collector may not:
- Threaten to use violence or to commit any other illegal act
- Use profane or obscene language
- Falsely imply that a consumer has committed a crime by not paying a debt
- Lie about the amount of the debt that is owed
A debt collector must inform you that they are attempting to collect a debt and that any information obtained will be used for that purpose. This is sometimes known as the ‘mini Miranda’ and is required by the FDCPA. Collectors are also required to provide you with basic information about the debt either during the initial communication or within five days of the initial communication if the debt has not yet been paid. This includes:
- The amount of the debt;
- The name of the company or person to whom the original debt is owed;
- Notice that you have 30 days to dispute the debt before it is assumed to be valid; and
- Notice that upon written dispute the collector will send written verification of the debt
When Must a Debt Collector Cease Communication?
A debt collector must cease all communication with a consumer upon receiving written notice that the consumer wants the collector to stop the communications or that he or she refused to pay the debt.
If you believe that a debt collector or creditor is has violated the FDCPA while attempted to collect a debt from you, you please contact our office at 1-800-219-3577, for a free, no obligation consultation.
by Paul MankinWho is calling me from 312-380-4059?
Calls from 312-380-4059 are coming from Harris & Harris Ltd., a debt collection agency located in Chicago, Illinois. The agency has been in business since 1968 and provides debt collection services to healthcare providers, utility companies, and government agencies.
Contact Information:
111 W Jackson Blvd STE 400
Chicago, IL 60604-4135
Phone: (312) 251-2300 and 312-380-4059
Almost 300 complaints have been filed against the collection agency with the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB), a federal agency created to help prevent companies in the financial industry, such as banks, credit card companies, and debt collection agencies, from abusing and deceiving consumers since 2015.
Many of these debt collection tactics that consumers allege the company uses are violations of the FDCPA and some may violate other federal or state law.
If you are getting abusive, annoying, or deceptive telephone calls from 1-312-380-4059, the debt collection agency may have violated federal law. Please contact our office for a free, no obligation case review at 1-800-219-3577.
by Paul MankinIs the debt collection agency American Collection Systems harassing you?
Being contacted by a debt collection agency can be a harrowing event. Between the constant verbal abuse, as well as robocalls and excessive letters and emails, debt collection agencies will use every trick in the book to try to get you to cough up your money.
In the case of American Collection Systems, their debt collector harassment may not be as severe. However, they still use techniques and practices that are borderline, as well as deeply, illegal and harassing. Here are the things you need to know if you have been contacted by American Collection Systems, and how to defend yourself.
What is American Collection Systems?
American Collection Systems is listed as a multi-location debt collection agency. They primarily work within the Northern Colorado and Wyoming areas, and boast over 50 years of experience.
Is American Collection Systems a legit Debt Collection Agency?
American Collection Systems is seen as a legitimate debt collection agency. They were started in 1963 and are listed as a partnership with Bobby Garmon listed as COO, Annie Walker as Collections Manager, Steve Johnson as CEO/Owner, Kay Kennedy as Collections Manager, and Elizabeth Koski as CFO. They currently have 57 years of business experience and hold an A+ rating with the Better Business Bureau. However, they do have a 1 star review from a customer, putting them at a 1 out of 5 stars on the BBB website.
American Collection Systems Contact Information
Address: 800 Cross Pointe Rd Ste D Gahanna, OH 43230-6688
Website: http://acsiwest.com
Phone Number: 1-307-742-3711
Fax Number: 1-307-742-2167
Does American Collection Systems have Complaints against them?
American Collection Systems does have complaints against them. In the BBB database, they have one customer review against them from 2018 that has been left open.
They also have approximately 23 complaints logged through the Consumer Financial Protection Bureau’s Consumer Complaint Database. These include the open branch of American Collection Systems, as well as the Ohio based company. As such, these complaints may pertain to both groups.
What kind of Complaints have been made?
The complaints made vary depending on the database used. Through the BBB, the review states that the representatives are rude, disrespectful, and unwilling to work with consumers on getting their debts paid.
The CFPB’s CCD states that many of the debts were not debts that were owed by the consumer. Indeed, many state that the debts that were attempted to be collected on were due to identity theft, as well as debts that were paid off some time ago. There are also verification issues where American Collection Systems did not verify the debt, thereby creating an air of vileness and misinformation.
Are the Practices of American Collection Systems Legal?
These practices are not legal. The act of using misinformation, as well as threatening tactics, are unlawful under the Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) standards and laws. These regulations state that the use of misinformation, or improper information, is punishable by law, and consumers are protected from such tactics.
Not only that, using abusive or aggressive language in an attempt to badger a consumer into paying a bill that is not verified is considered debt collection harassment, and is also punishable by law.
How can I protect myself and fight back against American Collection Systems?
If you or a loved one have been contacted by American Collection Systems, know that there are ways you can protect yourself against their harassment attempts. The best way to start protecting yourself is to vet every debt that is sent to you from American Collection Systems. If you receive a bill from them stating you owe money on the debt, make sure to ask for verification and authorization for the debt. Ask where the debt came from, and if you can get in touch with the original debt holder. If they are not able to produce these items for you, then they will be on the cusp of breaking federal law.
You should also look to get a well-versed and experienced debt collection harassment attorney or consumer protection lawyer. We here at The Law Office of Paul Mankin, APC have many years of experience under our belts. Our team of attorneys will be able to help you identify debt collection harassment, as well as put a stop to the harassment once and for all. Not only that, we can help you report these offenses to the proper authorities, making sure these debt collectors aren’t able to do it to anyone else.
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 Aargon Collection Agency Harassing You?
What is Aargon Collection Agency?
The Aargon Collection Agency, also known as Aargon Agency, Inc. is a well-known debt collection agency specializing in general debt collection, no matter the industry. They were established in 1996, and have been in business for 23 years, working out of their primary headquarters in Las Vegas, Nevada. Since their inception, however, they have had numerous complaints and issues filed against their debt collection agency, many of which deal with harassing phone calls from debt collectors, and harassment from credit card companies.
Is Aargon Collection Agency a legit Debt Collection Agency?
They are a legitimate debt collection agency. Currently, they hold a Better Business Bureau rating of A+, and have been accredited with the BBB since 2011. BBB ratings do not take into account Customer reviews. However, they have a 1.75 of 5 on BBB with 6 customer reviews.
They are known to be regulated by the Financial Institutions Division in Las Vegas, Nevada as well.
Aargon Collection Agency Contact Information
Address: 8668 Spring Mountain Rd
Las Vegas, NV 89117-4132
Alternate Name: Aargon Agency, Inc.
Fax Number: 1-(702)-948-7428
Phone Number: 1-(702)-220-7037
Other Phone: 1-(800)-280-1183
Other Phone: 1-(800)-326-7118
Financial Institutions Division
Address: 2501 E. Sahara Ave. Ste. 300
Las Vegas, NV 89104
Phone Number: 1-(702)-486-4120
Website: www.fid.state.nv.us/complaints.htm
Does Aargon Collection Agency have Complaints against them?
Aargon Collection Agency has quite a few complaints against their debt collection agency. They have 26 consumer complaints currently logged on the Better Business Bureau website, with some being as recent as June of 2019. Within the Consumer Financial Protection Bureaur’s Consumer Complaint Database, they hold approximately 630 complaints logged against Aargon Collections in total, with a majority of them being within the year 2019.
What kind of Complaints have been made?
They have had complaints ranging in severity in all scales made against them. From the Better Business Bureau, there have been reports of mainly improper and misleading information being billed to consumers when they have had little to no interaction with the place in question. Many of the consumers reference medical care buildings, where they have never been a part of the system, and yet have received collection requests and harassment from the debt collectors with regards to the bill in question.
They have also noted that they have had harassing phone calls from debt collectors, even when it is the wrong number or wrong person. Some have gone as far as to even state that they have been called and harassed due to the fact that their name is the same as the one with the debt, even if they live outside of the area that Aargon Collections works inside of.
From the CFPB Consumer complaint database, many consumers have reported fraudulent and threatening activities from the Aargon Collection Agency. These come in the form of medical debts and requests. When consumers attempt to state that they are not the holders of the debts, many complaints have outlined the harassing and abusive/threatening language many of the debt collectors have used against them in an attempt to extort money and payments.
Are the Practices of Aargon Collection Agency Legal?
In many of the mentioned complaints, these practices are not legal, and in many ways, break the federal laws set by the FDCPA, TCPA, and CFPA. To understand how they are breaking the law, you must understand what is considered harassment by a debt collector, and how it is viewed by the law.
There exist many types of harassment methods from collection agencies. Multiple phone calls, robocalls, and emails can all be considered harassment if done outside of proper hours, or if done in excess. This falls under the FDCPA, or Fair Debt Collections Practices Act. These laws prevent debt collectors from using certain methods, such as:
- Abusive or threatening language
- Harassment and threatening of physical harm
- Using false or misleading information to attempt to collect a debt
These are just a few of the practices and methods that a debt collection agency may attempt to harass and force you to pay a debt that may or may not be your own.
How can I protect myself and fight back against Aargon Collection Agency?
There are many ways to protect yourself against such types of harassment and abuse. The first thing to do is to contact an experienced debt collector harassment lawyer or attorney. We here at Law Office of Paul Mankin, APC have many experienced lawyers and attorneys that will be able to help and guide you to getting compensation for the harassment and damages incurred by the debt collectors.
An experienced attorney will be able to assist you in understanding how long a debt collector can harass you, what is considered harassment by a debt collector, and how to report and stop harassment from debt collectors. They can also assist you in getting a No Fee Lawsuit made against the Aargon Agency Inc prepared and started.
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 the debt collection agency Alltran Financial, LP harassing you?
What is Alltran Financial LP?
Alltran Financial LP was founded in Houston, Texas on October 1, 1987. Under the direction of its general counsel and business manager, Mr. Michael K. Strachan, Alltran Financial LP provides recovery and receivables services. The debt collection agency is known to conduct business under at least four other names, including: “URS Holding, LLC,” “United Recovery Systems, LP,” “United Recovery System,” and “Plaza Recovery.”
Is Alltran Financial LP a legit Debt Collection Agency?
Yes, Alltran Financial LP is a legitimate debt collector. It has been recognized by the Better Business Bureau (BBB) since January 1, 1987, has been BBB-accredited since October 18, 2012, and maintains an A+ BBB consumer rating, which indicates it is responsive to consumer complaints and is a legitimate business.
Alltran Financial LP Contact Information:
5800 N Course Dr
Houston, TX 77072-1613
(800) 352-8890 (phone)
(800) 326-8040 (alt. phone)
(713) 977-0119 (fax)
http://alltran.com/industries/financial/
What kind of complaints does Alltran Financial LP have against them?
Alltran Financial LP has received 25 BBB consumer complaints and 12 Consumer Financial Protection Bureau complaints, most of which involve repeated attempts to collect on debt not owed. In most such cases, consumers report being harassed by Alltran Financial LP over old debt (i.e., debt that has been paid) or bad debt (i.e., debt that is no longer able to be enforced by legal action). If these allegations are true, these consumers would most likely have a claim under the Fair Debt Collection Practices Act. Consumers have reported the following phone numbers in relationship to complaints of collector harassment against Alltran Education, Inc. and its alias operations.
(713) 784-7844
(713) 977-1234
(866) 815-8808
(866) 582-4085
(800) 354-4150
(713) 266-9876
(800) 331-8970
Are Alltran Financial LP‘s Practices Legal?
Whether a debt was previously paid or belongs to someone other than the person being contacted, it is considered collector harassment when a collections agency learns a debt is no longer valid (or is not valid in relation to a particular person) and continues to call or write with the intention of forcing the alleged debtor to pay up. These practices are unlawful under the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act and could entitle you up to $1,000 in statutory damages, actual damages, an attorney at no cost to you, as well as other state and federal remedies.
How can I defend myself against a debt collector like Alltran Financial LP?
Texas residents can find consumer rights information on the Attorney General’s website at https://www.texasattorneygeneral.gov/consumer-protection. Complaints regarding a debt 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 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.