Terms of Use

by Paul Mankin

Terms 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 Mankin

Anti-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 Mankin

Is 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)

http://www.acttoday.com

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 Mankin

How 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 Mankin

Who 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

http://www.harriscollect.com/

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 Mankin

Is 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 Mankin

Is 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 Mankin

Is 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.

by Paul Mankin

Is Ability Recovery Services, LLC Harassing You?

Although there are plenty of smaller groups of debt collection agencies about, there are some that hold larger stakes in the business, even though they were started much later than others. Ability Recovery Services, LLC is one such debt collection agency, with a large backing and history over the years. However, they do have a difficult past, which leads to them having very poor reviews.

What is Ability Recovery Services, LLC?

Ability Recovery Service is a Collections agency that has been operating since 2005. After the business was started in 2005, in February, their BBB file was opened in 2009, with their business being incorporated in 2011 in Pennsylvania. They currently hold an A+ rating with the BBB, while maintaining a 1.10/5 rating with an average of 25 customer reviews.

Is Ability Recovery Service a legit Debt Collection Agency?

Yes, Ability Recovery Services, LLC is a legitimate debt collection agency. Having been operating for quite some time, approximately 14 years and counting, they also have multiple other locations within Pennsylvania. Currently, the Better Business Bureau has listed 2 other addresses for them within Pennsylvania, giving them a much wider berth to work with.

Ability Recovery Service Contact Information

Addresses:

284 Main St, DuPont, PA 18641-1960

18 Pierce Street Kingston, PA 18704

1 Montage Mountain Rd, Moosic, PA 18507-1777

Fax Number: 1-(570)-207-2682

PO Box: PO Box 4262 Scranton, PA 18505-6262

Phone Number: 1-(855)-207-1892 ext. 205

Website: http://www.abilityrecoveryservices.com

Does Ability Recovery Services, LLC have Complaints against them?

Ability Recovery Services, LLC have quite a few complaints lodged against them. With the BBB, they have 267 complaints closed within the last 3 years, with 107 of those complaints lodged within the last 12 months. A search of Ability Recovery Service on the Consumer Finance Protection Bureau Consumer Complaint Database shows a total of 945 matching complaints made against the Ability Recovery Service.

What kind of Complaints have been made?

The complaints range in variation and severity. The most common one that can be seen is that Ability Recovery Service tend to attempt to collect on bills that have either been already paid, or that do not even have a bill to pay in the first place.

Many also detail phone harassment and physical harassment, from harassing phone calls, as well as direct debt collector harassment from things such as letters, meetings, and after-hours harassment. Both the Better Business Bureau and the CFPB consumer complaint database detail improper filings and misleading and fraudulent paperwork being sent to them, which is also a major violation with the laws in place.

Are the Practices of Ability Recovery Service Legal?

Many of the practices done by Ability Recovery Service are deemed illegal, or borderline legal. These include such things as: Harassing phone calls, harassing family and friends, and fraudulent or misleading information on paperwork. This includes such things as medical information fraudulence, calls on credit cards and harassment from credit card companies, as well as persistent calls and contact even when told to stop.

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

Although it may seem perilous, there are actually numerous ways that you can help defend yourself against such harassment and abuse from debt collectors. The first step is to hire an experienced and knowledgeable debt collection harassment lawyer or attorney.

Having an attorney that focus in these issues will help you stay on course and be able to build a case for you. These attorneys, such as the collection harassment ones we have here at The Law Office of Paul Mankin, APC make sure to help you understand how to stop debt collector harassment, how to report debt collector harassment, and how to identify harassment and abuse.

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.

If you feel as if you are being harassed or abused by Ability Recovery Services, LLC, it is time they are held accountable for their actions. Please call our office at 1-800-219-3577, for a free, no obligation consultation.

by Paul Mankin

Is the debt collection agency Diversified Consultants calling and harassing you?

Diversified Consultants, Inc. Profile:

Diversified Consultants Headquarters: 10550 Deerwood Park Blvd. #309, Jacksonville, FL 32256

Diversified Consultants Phone Number: (904) 247-5500

Known Debt Collection Numbers: (one of the numbers their debt collectors use when calling you; others may be used as well). 1-800-771-5361

COO: Gordon Beck

Website: https://www.Diversified Consultantscollect.com/ (not public; authorization required to access)

LinkedIn Profile: https://www.linkedin.com/company/diversified-consultants-inc-/about/

WHAT IS DIVERSIFIED CONSULTANTS?

The better question is “Who is Diversified Consultants?” Diversified Consultants, Inc., not to be confused with Diversified Consulting or Diversified Cns, is a debt collection agency 

that was founded in 1992. Diversified Consultants employs a workforce of over 200 employees.

Diversified Consultants operates in Florida, Oregon, Kentucky, Missouri, Mississippi, Alabama, Minnesota, Arizona, Idaho, Illinois, California, Michigan and even Nigeria. Diversified Consultants specializes in the collection of wireless, cable, satellite, utilities and other telecommunications-related debt.

WHY IS DIVERSIFIED CONSULTANTS CALLING ME?

Diversified Consultants is most likely calling you because they believe, rightly or wrongly, that you owe a debt that they have either bought or have been promised compensation for collecting. While none of this is illegal per se, debt collectors frequently resort to abusive practices that are illegal and that could entitle you to demand money from them. 

CONSUMER COMPLAINTS:

CONSUMER COMPLAINTS AGAINST DIVERSIFIED CONSULTANTS HAVE BEEN NUMEROUS:

• The Consumer Financial Protection Bureau (CFPB), a federal agency dedicated to protecting consumer rights, has recorded over 4,000 complaints against Diversified Consultants.
• Diversified Consultants’ Better Business Bureau profile indicates that 899 complaints have been closed against Diversified Consultants over the past three years. It received 1.5 out of 5 stars based on 53 customer reviews. It is not accredited by the Better Business Bureau.

LAWSUITS AGAINST DIVERSIFIED CONSULTANTS, INC.

Numerous lawsuits have been filed against Diversified Consultants, Inc., including the following:

• In Davis v. Diversified Consultants, Inc., Plaintiff alleged that Diversified Consultants violated the Telephone Consumer Protection Act; the Fair Debt Collection Practices Act; and the Massachusetts Privacy Act. Plaintiff was awarded damages.
• In Fabio, Jesse v. Diversified Consultants, Inc, Diversified Consultants lost a default judgment b because it failed to respond to the lawsuit.
• In Higgs v. Diversified Consultants, Inc., Plaintiff complained that Diversified Consultants called several times a day to collect a debt. Diversified Consultants was awarded a summary judgment.  
• In McGill v. Diversified Consultants, Inc. Plaintiff claimed that he settled a debt but that Diversified Consultants reported to the creditor and another collection agency that the debt was still owed, resulting in the harassment of the Plaintiff..
• In Nussbaum v. Diversified Consultants, Inc., Plaintiff complained that Diversified Consultants subjected him to “robocalls” (automated dialing).
• In Sheridan v. Diversified Consultants Inc et al, the court denied the Plaintiff’s request to certify his lawsuit as a class action lawsuit. The motion was denied without prejudice, which means that the Plaintiff can try again after repairing deficiencies in his original pleading.

• In O’Connor v. Diversified Consultants, Inc., Plaintiff alleged that Diversified Consultants violated the Telephone Consumer Protection Act of 1991 (TCPA), 47 U.S.C. § 227, et seq. and the Fair Debt Collection Practices Act 
• In Waite v. Diversified Consultants, Inc., a 17-year-old girl alleged that Diversified Consultants made hundreds of debt collection “robocalls” to her cell phone, even though she owed no debts to anyone.
• In Wallace v. Diversified Consultants, Inc., Diversified Consultants was sued for failing to clarify the alleged debtor’s right to dispute the debt. The claim was dismissed.

Frequently Asked Questions (FAQs):

HOW DO I STOP A COLLECTION AGENCY FROM CONTACTING ME?

First, send a signed letter by certified mail, return receipt requested, asking the collection agency to stop contacting you, and keep a copy of the letter for yourself. Once the collection agency receives the letter, it can only contact you for two purposes:

• To confirm that it will no longer contact you about the debt; and
• To notify you that it is taking legal action (such as filing a lawsuit).

If you inform the collection agency that you have retained a lawyer, and you provide contact details for the lawyer, the collection agency can only contact your lawyer about the debt, unless your lawyer fails to respond within a reasonable time.

Somebody told me that I am being harassed by a debt collection agency, I can demand money from them. Is that true?

Yes, it’s true. For example, you can demand up to $1,000 for each violation of the federal Fair Debt Collection Practices Act, without even proving that you suffered any damages other than minor annoyance.The California Rosenthal Fair Debt Collection Practices Act, a state law, is in some ways even more debtor-friendly than the federal version, and it also allows you to sue for damages.

WHAT TYPES OF DEBTS ARE COVERED BY THE FAIR DEBT COLLECTION PRACTICES ACT (FDCPA)?

The FDCPA is aimed at consumer debts — credit card debt, automobile loans, mortgages, healthcare expenses, student loans, and similar consumer dents. The FDCPA does not apply to business debts. This statute is also aimed at third-party debt collectors — it doesn’t apply if your original creditor is trying to collect a debt from you.

WHAT IS A VALIDATION NOTICE?

A validation notice is a written notification that a third party debt collector is legally required to send you. It must state how much money you owe, who you owe the money to, and what you can do if you do not believe the debt is legitimate.

If you Diversified consultants is harassing you, please contact our office at 1-800-219-3577 for a free, no obligation consultation.