Page 29 – The Law Office of Paul Mankin

Is the debt collection agency American Profit Recovery harassing you?

Here are the things you need to know about American Profit Recovery, and how to defend yourself if American Profit Recovery is harassing you with debt collection phone calls.

What is American Profit Recovery?

American Profit Recovery is a debt collection agency that specializes in the Detroit and Eastern Michigan areas.

Is American Profit Recovery a legit Debt Collection Agency?

American Profit Recovery is considered legitimate, as they have been in service for close to 17 years. They started in 2003, with their business becoming incorporated in 2004, and their Better Business Bureau file being opened in 2006. It currently has a B+ Rating with the BBB, and a 1 star out of 5 total in customer reviews.

American Profit Recovery Contact Information

Address: 34505 W 12 Mile Rd Ste 333 Farmington Hills, MI 48331-3288

Website: http://www.americanprofit.net

Phone number: 1-248-948-1234

Does American Profit Recovery have Complaints against them?

APR currently has a total of 12 complaints that were closed within the last 3 years on the BBB database. 2 of those complaints were closed within the last 12 months.

American Profit Recovery currently has 58 complaints matched to their company name on the Consumer Financial Protection Bureau’s Consumer Complaint Database.

What kind of Complaints have been made?

The majority of the complaints that have been made outline an abuse of power, as well as illegal harassment and abusive language used when attempting to collect on a debt. 55 of the complaints on the CFPB’s CCD database are due to debt collection issues, and 3 were due to credit reporting errors, or other such issues.

The complaints listed on the BBB’s database state that the company had attempted to misinform their consumers about debts and information being transmitted to them. One customer complaint from 2019 states that they were harassed and belittled when they called to ask about the debt paperwork.

Are the Practices of American Profit Recovery Legal?

The practices stated about American Profit Recovery are indeed illegal. The Fair Debt Collection Practices Act’s (FDCPA) guidelines and regulations state that a debt collection agency may not use forceful methods, or harassing language, when attempting to collect on the debt. If they do, they are breaking FDCPA guidelines, and can be suitably punished.

Not only that, they attempted to misguide and misinform consumers about the status of their debt, which is also an illegal method.

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

If you, or a coworker, have been contacted by American Profit Recovery, then know that you do have the law on your side. Firstly, research more into the FDCPA and what they stand for. Understanding what laws are on your side will help to understand the circumstances that you are currently in.

Next, look into verifying the debt. This can be done by asking for the debt information, or asking for a letter to be sent to you about the debt, as well as a confirmation number. If these things can not be done for you, then you are not obligated to pay the debt as requested.

The greatest step you can look to take is to get in contact with an experienced and knowledgeable debt collection harassment attorney. We here at Law Office of Paul Mankin, APC, know a thing or two about debt collection harassment because we’ve seen a thing or two. We are able to help you identify, stop, and report unwanted 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.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is the debt collection agency American Collection Services harassing you?

What is the most nerve-wracking experience one can deal with when it comes to money? Is it overspending? Is it finding out you won’t make it until the next payday?

Out of all the things that can happen, being found to have a debt is high on that priority list. However, getting informed that you must pay or face abusive repercussions is by far much more nerve-wracking than the others. However, this is reality. For debt collection agencies such as American Collection Services, this is what they do every day. So, should you pay, or should you not? We’ll let you know what you need to do in order to protect yourself against such debt collection agencies and their ensuing harassment.

What is American Collection Services?

American Collection Services, or American Collection Services, Inc. is listed as a debt collection agency based primarily out of Central Oklahoma. They are headed by Louis Littlejohn, who is listed as an Associate on the Better Business Bureau database.

Is American Collection Services a legit Debt Collection Agency?

American Collection Services is a legitimate debt collection agency. Having been open since 2005, they have been in business for 14 years and counting. They are not accredited by the BBB but do hold an A+ rating on the BBB website. However, they have had a recent 1-star review, so they sit at 1 out of 5 stars on the BBB website as well.

American Collection Services Contact Information

Address: 3100 SW 59th St Ste A Oklahoma City, OK 73119-6416

Website: http://www.americancollectionservices.com/

Phone Number: 1-405-681-2332

Other Phone: 1-800-657-7318

Does American Collection Services have Complaints against it?

American Collection Services does have complaints lodged against it. On the BBB website, they have had 4 complaints within the last 3 years, with 3 of those complaints made in the last 12 months. They also have 1 rating at a 1 star, which is drastically low.

American Collection Services also have complaints lodged against it on the Consumer Financial Protection Bureau’s Consumer Complaint Database. It has 38 registered complaints against them, with many more tailored to other areas of work.

What kind of Complaints have been made?

The primary complaints on the BBB database point towards issues with billing/collections, as well as an issue with the product or service provided by American Collection Services. These complaints state that the representatives that were calling on behalf on American Collection Services were quite rude to the consumers. Not only that, they used abusive and aggressive behaviors to try to coerce payments on debts that were not verified right away.

On the CFPB’s CCD, of the 37 complaints, 32 were made due to debt collection issues. 5 of the complaints lists that credit reporting, credit repair services, or other consumer reports were mishandled, causing the debt to explode in amounts. The last complaint listed is due to consumer loans going wrong.

Are the Practices of American Collection Services Legal?

The practices stated within the complaints and reviews mention abusive, excessive, and blatant harassment from representatives of the American Collection Services agency. Not only that, the excessive calls and robocalls are an abuse of practice, which are completely against the Fair Debt Collection Practices Act’s (FDCPA) guidelines and regulations.

How can I protect myself and fight back against American Collection Services?

If you or a loved one have been contacted by the American Collection Services, make sure to defend yourself. You can do this by verifying the debt or asking for a letter of authorization. This can be done simply if the debt collection agency has proper identification and paperwork related with the debt, such as where it came from, and who it came from.

If they cannot do such a thing, and still wish to pursue your payment, hire an experienced and well-versed debt collection harassment attorney or consumer lawyer. We here at the Law Office of Paul Mankin, APC have a team of strong lawyers and attorneys that have done plenty of work for people who have been harassed and improperly treated by debt collectors. We have worked to identify harassment from debt collectors, as well as put a stop to the harassment.

Not only can we help you to defend against collection harassment, we can also help to build a case, and assist you in understanding where the illegal collection patterns are for debt collectors. We are also able to help facilitate any communications or discussions between the parties, ensuring that nothing you say can be used against you.

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.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is FBCS, Inc. Harassing You?

FBCS, Incorporated is a collection agency located in Hatboro, Pennsylvania. The collection agency has been in business since 1982 and is also known as Financial Business and Consumer Solutions, Inc.

Contact Information:

330 S Warminster Rd Ste 353

Hatboro, PA 19040-3433

Phone: (800) 220-2018

http://www.fbcs-inc.com/

There have been 58 complaints filed against FBCS, Incorporated with the Better Business Bureau (BBB) in the last three years.

49 complaints have been filed against Federal Adjustment Bureau, Inc. with the Consumer Financial Protection Bureau (CFPB) since 2015. The CFPB is a federal agency created to help ensure that banks, lenders, and other financial companies, such as collection agencies, treat consumers fairly. These complaints allege various violations of the Fair Debt Collection Practices Act (FDCPA), such as:

Failure to verify a debt
Using obscene, profane, or abusive language
Failing to mail proper notices to consumers
Calling before 8:00 a.m. or after 9:00 p.m.
Contacting consumers after being asked in writing not to
Attempting to collect on a debt that was discharged in bankruptcy
Reporting false information to credit reporting agencies

Some of the complaints that say the credit collection agency reported false information on their credit report allege that the information actually belonged to someone else and the agency refused to remove it even after being provided with proof that it was not their debt. One consumer states in his complaint that he was unable to get a job for quite some time due to this false information on his credit report and was forced to sell family heirlooms in order to keep his bills current while attempting to repair the damage.

If Federal Adjustment Bureau, Inc. is harassing or abusing you, it is time they are held accountable for their actions. Please call our office at 1-800-219-3577, for a free, no obligation case review.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is Ideal Collection Services, Inc., Harassing You?

Ideal Collection Services, Inc. is a debt collection agency located in Tampa, Florida. It has been in business since 1992 and also uses the name Ideal Recovery Services, Inc. The company collects nationwide for all types of companies.

Contact Information:

5223 Ehrlich Rd Ste A

Tampa, FL 33624-2053

Phone: (813) 920-0141

http://idealcollections.com

Ideal Collection Services, Inc.’s website states that it follows all state and federal law when attempting to collect on a debt. The 100 plus complaints filed against it with the Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB) since 2015 seem to indicate that this might not be completely accurate. Complaints allege that the collection agency:

Reported false credit information to the credit reporting agencies
Failed to provide debt verification
Used abusive language when attempting to collect on a debt
Called a consumer after 9:00 p.m.
Failed to send proper notices to consumers
Falsely implied that a consumer was committing a crime by not paying a bill

These may be violations of the Fair Debt Collection Practices Act (FDCPA), a federal law enacted to help protect consumers from unfair, abusive, and deceptive practices used by debt collectors. The Act provides consumers with a cause of action against violating debt collectors wherein they can stop the collection attempts, settle the account, or even collect money from the debt collector.

A large number of the complaints concern residential leases and utility bills that the consumer was unaware that they owed until the collection agency began reporting a delinquent account to the credit reporting agencies. Another theme in these complaints concerns consumers who were the victim of identity theft and Ideal Collection Services, Inc.’s procedure for resolving these issues. The company apparently requests police reports that do not exist within the police department, multiple forms of identification, prior year tax returns, social security card copies, and utility bills, or a fee from the identity theft victim in order to remove false information from their credit report or stop collection attempts. Many consumers are unable to provide or obtain all of the requested information or do not feel comfortable providing it and so the collection attempts continue and the false negative information remains on their credit report.

If Ideal Collection Services, Inc. is using unfair, abusive, or deceptive practices in order to collect a debt from you, please contact our office for a free, no obligation consultation at 1-800-219-3577.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is Pacific Coast Credit Harassing You?

Pacific Coast Credit is a debt collection agency located in Eugene, Oregon. The agency has been in business since 1968 and provides debt collection services to a wide range of creditors, including utility companies, healthcare providers, and government entities.

Contact Information:

PO Box 40580

Eugene, OR 97404-0091

Phone: (541) 688-9445

http://www.pacificcoastcredit.com/

The Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB), an agency created to help ensure that debt collectors, and other companies in the financial industry, do not abuse consumers, report no complaints filed against Pacific Coast Credit.

The company’s website states that it is their policy to maintain the relationship between the original creditor who hires them and the consumer from whom they attempt to collect. It also says that the collection agency strives to create a professional image for the companies that hire it to collect on unpaid debt. The two company reviews on the BBB’s website however tell a different story. Both were posted by consumers who chose to write reviews instead of filing complaints. They both state that the company’s representatives were unprofessional and that it was attempting to collect on old debt. One of the reviewers alleges that the company threatened to file a lawsuit and add fees and interest because she was being “difficult” and refused to provide any information so that she could verify the debt was hers and was still owed.

The Fair Debt Collection Practices Act (FDCPA) is a federal act that was passed in order to protect consumers from abusive and unfair debt collection practices, such as refusing to provide verification of a debt, using abusive language when attempting to collect a debt and adding fees and interest that were not authorized by the original credit agreement. The Act also prohibits debt collectors from using other unfair and abusive practices such as threatening to take legal action that it has no right to take or does not intend to take.

If Pacific Coast Credit is using unfair or abusive practices in order to collect a debt from you, it is time to hold them accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is the debt collection agency Midland Credit Management, Inc. Calling or Harassing You?

Midland Credit Management Inc. Profile:

Headquarters: 350 Camino De La Reina #100, San Diego, CA 92108, United States

Mailing Address: P.O. Box 939069, San Diego, California 92193

Telephone numbers: (800) 296-2657; (800) 825-8131s

Debt collection number: 888-405-9988 (one of the numbers their debt collectors use when calling you; others may be used as well).

President and CEO: Ashish Masih

Website: https://www.midlandcredit.com/

INTRODUCTION:

Founded in 1953, Midland Credit Management, Inc. (“MCM”) is a wholly-owned subsidiary of Encore Capital Group, Inc. It employs an international workforce of over 4,000 employees, and iIt operates in all 50 US states as well as the District of Columbia. Overseas, it operates in Costa Rica and India.

Encore Capital Group,, Midland Credit Management, Midland Funding and Asset Acceptance Capital Corp are all part of the same family of companies — Encore Capital Group is the parent company, while the other three companies are siblings. This group of companies “enjoys” perhaps the most dismal record of consumer complaints of any debt collection agency in the US.

BETTER BUSINESS BUREAU (BBB) COMPLAINTS:

Although MCM maintains an A- BBB Rating, such ratings are notoriously unreliable. More revealingly, MCM received only one of five possible stars based on BBB customer reviews and complaints. MCM has been the subject of over 1,000 complaints to the BBB over the last several years. 282 complaints were closed in the last 3 years, and 94 complaints were closed in the last 12 months.

Consumer Financial Protection Bureau Complaints

Encore Capital Group, MCM’s parent company, has over 1,500 consumer complaints registered with the U.S. Consumer Financial Protection Bureau (CFPB), a government agency. At least as recently as 2015 Encore, together with the three subsidiaries mentioned above (including Midland Credit Management, Inc.) was the nation’s largest debt buyer and collector.

CFPB allegations against Encore include:

buying debts that were either inaccurate; unenforceable or lacking proper documentation to prove their validity;
collecting payments on unverified debts;
pressuring alleged debtors using misrepresentations; and
filing mass lawsuits using robo-signed court documents.

CONSUMER REPORTS ACCUSATIONS:

Consumer Reports has accused MCM of employing collection practices that violate the Fair Debt Collection Practices Act as well as other statutes. based on behavior such as:

Contacting third parties about debts, including employers and relatives;
Employing deceptive means to ensure payment of the debt;
Refusal to compromise with distressed debtors;
Threatening legal action that the company was not entitled to take, such as garnishing wages before a judgment had been rendered, or unilaterally liquidating the debtor’s assets;
Attempting to collect non-existent debts; and
Failing to issue the alleged debtor with a debt verification as required by law,

CONSUMER AFFAIRS COMPLAINTS:

Consumer Affairs is a private watchdog organization, and its reviews of MCM were perhaps the most dismall of all. Overall, MCM, which is not accredited by Consumer Reviews, received one out of five possible stars, based on 200 consumer reviews — hardly a small sample. These reviewers accused MCM of the following offenses, among others:

Calling them repeatedly at work;
Harassing third parties (people who use the debtor’s old telephone number) and refusing to stop even after being informed that the number no longer belonged to the debtor;
Refusing to compromise with physically disabled debtors;
Using insulting and derogatory remarks to shame debtors;
Notifying a debtor of a lawsuit by taping a notice to the door of his old address; (notification normally must take place through in-person face-to-face service);
Charging outrageous late payment fees;
Calling several times a day to collect an illegitimate debt;
Providing a false return address to prevent alleged debtors from disputing a debt before the applicable deadline expires;
Arbitrarily adding hundreds of dollars to a debt; and
Refusing to provide validation of the debt being pursued.

THE FAIR DEBT COLLECTION PRACTICES ACT:

Almost all of the foregoing allegations, if true, would violate the federal Fair Debt Collection Practices Act (FDCPA). Under the FDCPA, you have the right to:

control your communication with third-party debt collectors such as collection agencies;
prevent harassment or abuse;
demand that the debt collector be strictly honest with you;
prevent unfair tactics, such as soliciting post-dated checks from you;
receive validation of your debt containing enough information for you to be able to tell whether the debt is legitimate; and
many other rights too numerous to list here.

You have rights under other statutes too, such as the California Rosenthal Fair Debt Collection Practices Act. Consult a lawyer to learn the full extent of your rights,

LAWSUITS, ADMINISTRATIVE PENALTIES AND OTHER SANCTIONS:

ENCORE SANCTIONS:

In response to the CFPB allegations leveled in 2015, MCM’s parent company Encore was ordered to:

Reform its debt collection practices;
Refrain from reselling its debts to third parties;
Pay a fine if $10 million;
Refund customers over $40 million; and
Cease collection efforts on $125 million in debts.

All told, Encore’s total losses exceeded a staggering $175 million, not including the opportunity costs associated with reforming its debt collection practices. .

MCM SANCTIONS:

MCM has been bleeding too, although not as heavily as Encore, due to its smaller size. All told, however, it has been ordered to pay back millions of dollars to consumers. In a 2015 case, for example, MCM was ordered by a Colorado court to pay a $23,000 fine in response to a consumer complaint.

Far more serious sanctions were assessed against MCM in State of Alaska, District of Columbia, et al., v Midland Credit Management Inc. in 2018. MCM was accused of using illegal means to collect debts by failing to verify debts or properly document these debts. As a consequence, MCM entered into a settlement agreement that obligated it to:

pay $577,783 to consumers in the District of Columbia;
pay $25,000 to each US state;
provide accurate information about valid debts;
pay a $6 million penalty to the states;
Refrain from debt-reselling activity for at least two years; and
Retrain its agents.

Although the settlement did not include an admission of guilt of illegal conduct by MCM, such clauses are typical in settlement agreements where the paying party has the bargaining power to demand them.

If you are being harassed by any of the companies in the Midland Credit Management, Inc. family, contact our office for a free, no obligation consultation at 1-800-219-3577.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is RCS Recovery Services, LLC Harassing You?

RCS Recovery Services, LLC is a debt collection agency doing business in Deerfield Beach, Florida. The company has been doing business since 2011 and collects on deficient mortgages. According to its website, RCS Recovery Services, LLC’s goal is to assist the consumer in resolving their deficient mortgage in a professional and respectful manner. The complaints filed against the debt collection agency however tell a different story.

Contact Information:

600 Fairway Dr Ste 108

Deerfield Beach, FL 33441-1806

(561) 244-2880

http://www.rcsrecovery.com/

The Better Business Bureau (BBB) has received three complaints about RCS Recovery Services, LLC in the last three years. These complaints allege that the collection company has made repeated telephone calls threatening legal action which was never taken, attempting to collect on an old debt, and refusing to provide verification of a debt. 17 complaints filed with the Consumer Financial Protection Bureau (CFPB) allege the same types of violations of the Fair Debt Collection Practices Act (FDCPA) as well as calling before 8:00 a.m. or after 9:00 p.m., attempting to collect on a debt discharged in bankruptcy, and telling consumers not to respond to a lawsuit they have filed.

In 2016, a consumer filed a class action complaint in the U.S. District Court in Florida against RCS Recovery Services, LLC and Glad Stone Law Group alleging the companies attempted to collect on a time barred debt (a debt so old that the statute of limitations does not allow collection attempts). The complaint also alleges that the law firm and debt collection agency failed to notify the consumers that making a payment on the time barred debt may revive the statute of limitations (cause the statute of limitations time limit to start all over again). The Plaintiffs say that failing to inform consumers of the consequences of making a payment on a time barred debt is deceptive and misleading, and therefore a violation of the FDCPA. The case was settled in 2017 without a public settlement agreement being filed. A search of Justia shows that the debt collection agency has been sued under the FDCPA several times; in Michigan, Florida, Illinois, Wisconsin, New York, and California.

Creditors and debt collectors may only attempt to collect on a debt for a certain period of time. Each state has a statute of limitations which sets that amount of time. The creditor or debt collector must sue before the statute of limitations is up, or they cannot attempt to collect on the debt. The time starts from the date the consumer made the last payment on the account. Therefore, if a debt collector can convince a consumer to make a payment on an account that is time barred, the time period allowed for collection attempts will start all over.

Is RCS Recovery Services, LLC attempting to collect on a debt that is time barred by the statute of limitations, threatening you with legal action, or harassing or annoying you? It is time to hold them accountable for their unlawful actions. Contact our office for a free, no obligation case review at 1-800-219-3577.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is the debt collection agency Asset Management Outsourcing, Inc., harassing you?

When it comes to debt collection, there are some companies that may seem legitimate. They call, politely inform you of a debt that you may owe, and leave it at that. However, more often than not, debt collectors and their representatives are pushy, excessive, and in some cases, extremely threatening and rude. It has been alleged that the debt collection agency Asset management Outsourcing Inc has treated people in this way. Here is what you need to know if you have been contacted by the debt collection agency Asset management Outsourcing Inc.

What is Asset Management outsourcing Inc?

Asset Management Outsourcing inc is listed as a debt collection agency operating out of Norcross, Georgia. They are said to serve the Metro Atlanta, Athens, and North East Georgia areas, with an emphasis on helping consumers manage their debts quickly and efficiently. They are headed by Ms. Kathy Hronek, who is listed as the Principal and Compliance Specialist.

Is Asset Management Outsourcing Inc a legit Debt Collection Agency?

Asset Management Outsourcing is considered to be a legitimate debt collection agency. The business was started in 1999, and have been in business for 21 years. Their Better Business Bureau file was opened in 2002, although they have not been accredited through the BBB as of yet. They currently have an A+ rating with the BBB, but they do not have any reviews on their company.

Asset Management Outsourcing Inc. is known to have multiple different aliases and names. Because of this, although they are legitimate, it is assumed that they utilize illegal and immoral practices in an attempt to stay relevant.

Asset management Outsourcing Inc. Contact Information

Address: 5655 Peachtree Pkwy Ste 213 Norcross, GA 30092-2812

Phone Number: 1-800-801-3502

Other Phone: 1-800-771-3400

Other Phone: 1-770-825-8000

Other Phone: 1-770-825-8032

Fax Number: 1-678-282-1513

Alternate Names: Nationwide Recovery Services, AMO Recoveries Inc., AMO Recoveries

Does Asset Management Outsourcing Inc have Complaints against them?

Asset Management Outsourcing Inc. does have quite a few complaints made against them within the last few years. A search of them on the BBB database yields that their company profile has had 3 complaints against them within the last 3 years, with 1 complaint being made within the last 12 months.

A quick search of the Consumer Financial Protection Bureau’s Consumer Complaint Database yields larger results. A total of 427 complaints have been made against Asset Management Outsourcing Inc. covering a wide variety of issues and problems.

There are no listed complaints against their known aliases.

What kind of Complaints have been made?

The complaints made encompasses a wide variety of problems and complications. Through the BBB’s database, the complaints are due to issues with advertisement, billing collections, and issues with the product and service provided.

Through the CFPB’s CCD, 396 of the complaints are due to debt collection issues, 26 issues with credit reporting and repair, 4 with credit reporting on its own, and 1 consumer loan complaint.

The complaints all document illegal activities, such as:

Excessive and inappropriate calls and messages being sent to consumers
Attempting to collect on a debt not owed
Abusive and threatening language used in an attempt to elicit payments
Threats to the consumers’ well-being
Utilizing misinformation and attempting to lie to consumers about amount owed
Using falsified statements and reports to misinform consumers

All of the tactics used above go directly against the Fair Debt Collections Practice Act that protects consumers and debtors against predatory debt collection techniques and harassment. The FDCPA directly states that debt collectors may not use these tactics in any way or form in an attempt to collect on the debt. If they do, then it is considered debt collection harassment, and is punishable by law.

How can I protect myself and fight back against Asset Management Outsourcing Inc?

There are many ways for you to fight back against such predatory companies such as asset management outsourcing Inc. To start, you must be willing to tell them to stop calling you. Although this may seem silly and ridiculous to do, they are legally obligated under the FDCPA to stop contact with you if you request them to. If they do not, it is a breach of the FDCPA laws, and considered illegal in terms of debt collection practices.

The second way to protect yourself is to verify the debt. As stated above, debt collectors like asset management outsourcing inc. will use just about anything in an attempt to get paid, including falsifying a debt entirely. Requesting authentication of the debt is well within your rights as a debtor and consumer. This can be done in several ways, such as asking to speak with the original debt holder, or asking for written authentication in a letter or note. If they do not provide you with this information, then you are not obligated to pay the debt in any form.

If they continue to contact you and threaten you, it may be time to seek legal counsel. We here at the Law Office of Paul Mankin, APC have a strong and knowledgeable set of attorneys and lawyers that are well versed in debt collector harassment and their tactics. We are able to assist you in identifying debt collector harassment, putting a stop to the harassment, and reporting the harassment to the proper authorities to keep debt collectors such as Asset management Outsourcing Inc. in check.

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.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is Beacon Services, LLC Harassing You?

Beacon Services LLC is a debt collection agency located in Lutherville Timonium, Maryland. The agency has been in business since 1994 and provides debt collection services to a wide range of creditors.

Contact Information:

PO Box 4597

Lutherville Timonium, MD 21094-4597

Phone: (410) 842-1065

http://www.beacon-services.com/

The Consumer Financial Protection Bureau (CFPB), an agency created to help ensure that debt collectors, and other companies in the financial industry, do not abuse consumers, and the Better Business Bureau (BBB) report no complaints filed against Beacon Service, LLC. However, it has been sued at least once for violating the Fair Debt Collection Practices Act (FDCPA), a federal act that was passed in order to protect consumers from abusive and unfair debt collection practices. The Act prohibits debt collectors such as Beacon Service, LLC from using harassing and abusive means to collect a debt. This includes:

Calling before 8:00 a.m. or after 9:00 p.m.
Using profane or abusive language
Refusing to provide verification of a debt to a consumer
Threatening to take illegal actions or actions they do not intend to take
Allowing a consumer’s phone to ring continuously
Communicating with a third party about a debt
Continuing collection attempts after being asked in writing to stop
Falsely representing that nonpayment could lead to a consumers arrest

This is not an all inclusive list of the acts prohibited by the FDCPA and if you feel that Beacon Service, LLC is using unfair or abusive practices in order to collect a debt from you, it is time to hold them accountable. Please contact our office for a free, no obligation case review at 1-800-219-3577.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is the collection agency ACL Adjustment Associates, Inc., harassing you?

Founded on July 1, 1990, ACL Adjustment Associates, Inc. has operated in New Jersey for more than 29 years. With fewer than ten employees, ACL is a closely held collections company that is managed by its founder and president, Tony Labrosciano.

165 Central Avenue

Hasbrouck Heights, NJ 07604-1306

(201) 288-7144 (phone)

(877) 288-7144 (alt. phone)

http://www.aclcollect.com/

One additional phone number associated with ACL’s collection efforts is (716) 406-4447.

A Better Business Bureau (BBB) file was opened for ACL Adjustment Associates, Inc on February 16, 2010 but does not report any consumer complaints or reviews. The collector is not BBB accredited but does maintain an A+ rating.

ACL Adjustment Associates appears by all accounts to operate in its client’s interests without stirring up contention and complaints among the targeted consumer community. ACL does not have an extensive or consequential litigation record, and no consumer complaints appear to have been reported to private or public consumer reporting agencies like the CFPB.

It is against federal debt collection regulations to engage in certain annoying and unkind acts in furtherance of pursuing repayment of a debt, including: calling before 8:00AM or after 9:00PM, calling repeatedly or even just a few times per week (no matter how many different phone numbers they use), calling your place of work if you are not permitted personal calls, calling you after you have made an unmistakable request for them to stop calling, using profanity or other threatening language, and other intimidating actions. It is also unlawful for collectors to misrepresents who they are and what the purpose of their communication is, as well as for them to attempt collection on an amount more than you owe or to collect from someone who is not legally responsible for the debt. These actions, each and all, amount to collector harassment, and you have the right to be free of this behavior.

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. Consumers who believe they have been cheated or scammed by a business, or suspect any other form of marketplace abuse, can file a complaint with the New Jersey Division of Consumer Affairs by visiting its website or by calling 1-800-242-5846 (toll free within New Jersey) or 973-504-6200. 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 attorney or debt collector harassment lawyer immediately. Contact us today at 1-800-219-3577 to discuss your matter and see how we can help at no cost to you.

UncategorizedNovember 6, 20230 comments