Page 30 – The Law Office of Paul Mankin

ARE YOU RECEIVING DEBT COLLECTION LETTERS?

THE G-NOTICE DEBT COLLECTION LETTER

Unfortunately, debt collectors are allowed to mail you collection letters requesting that you repay the alleged debt the collectors claim that you owe. In fact, in most situations the FDCPA requires a debt collector to send at least one letter to the person that it claims owes money. This letter is referred to as a G-Notice and requires that debt collectors mail a G-Notice within 5 days after the first communication with the person it is trying to collect money from. Click here to read 15 U.S.C. 1692g.

The G-Notice requires a lot of specific language to be included. Some of the most basic information required is:

(1) the amount of the debt and

(2) the name of the creditor, along with a statement that he will

(3) assume the debt’s validity unless the consumer disputes it within 30 days,

(4) send a verification or copy of the judgment if the consumer timely disputes the debt, and

(5) identify the original creditor on written request.

If the G-Notice does not include all the language required by the FDCPA, the debt collector is in violation of the FDCPA.

OTHER TYPES OF COLLECTION LETTERS

Debt collectors are also allowed to send other types of debt collection letters. Most often I see letters where the debt collector states that the consumer owes a debt, the amount of the debt, and that the collector is offering a payment plan or a reduced repayment amount if the alleged debt is paid by a certain time. Oftentimes, these collection letters follow all the rules required by the FDCPA. However, I believe that each collection letter should be carefully analyzed. Debt collection letters are required to have many disclosures to protect the consumers receiving them. If the letters do not, then the letter violates the FDCPA. Collection letters must not be deceptive or make any deceptive threats, be humiliating, or abusive in any way. While many debt collection letters do not violate the FDCPA, a fair amount of them do.

SEND ME COPIES OF ALL OF YOUR DEBT COLLECTION LETTERS!

If you have received a debt collection letter, please send a copy to my office for our free review. In most situations the debt collection letter will not be in violation of the FDCPA, but it is very common for us to find FDCPA violations in the collection letters. There are just so many rules under the FDCPA to follow when creating a collection letter. If you send us a copy of your collection letter, there is no cost to you and no obligation. We will review the letter and let you know if we have found an FDCPA violation. If we cannot find a FDCPA violation, you will not be charged for our time. If we are able to find an FDCPA violation, we will let you know and provide you with your options. You will not be under any obligation to hire us and you will not be charged.

If you are receiving debt collection letters in San Diego, Los Angles, or any other part of California, contact us 1-800-219-3577 so we can review your collection letters to if it violates the FDCPA.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is the debt collection agency Amsher Collection Services harassing you?

What is Amsher Collection Services?

Founded and incorporated in Alabama in 1986, Amsher Collection Services offers debt collection services for creditors and other businesses. It is currently operated by its president, Mr. Seth DeForest, and co-founders, Mr. David Sher and Mr. Martin Sher. Amsher Collection Services appears to be the “parent” operation but does conduct business under various similar aliases, including “AmSher,” “Amsher Collection Services, Inc.,” and “Amsher Receivables Management.”

Is Amsher Collection Services a legit Debt Collection Agency?

Yes, Amsher Collection Services is a legitimate debt collector. They have been recognized by the Better Business Bureau (BBB) since 1986, have been BBB-accredited since July 1, 1986, and maintain an A- BBB rating. Even though the collector conducts business under a few different aliases, they are all similar and appear to be linked on the up and up.

Amsher Collection Services Contact Information:

4524 Southlake Pkwy STE 15

Hoover, AL 35244-3271

(205) 322-4110 (phone)

(205) 251-0448 (fax)

http://amsher.com

What kind of complaints does Amsher Collection Services have against them?

Amsher Collection Services has received 64 BBB consumer complaints and 836 Consumer Finance Protection Bureau (CFPB) complaints, the substantial majority dealing with debt that is allegedly not owed. In several cases, the collector continued reporting debt to consumer collection agencies even after being informed the debt was paid or was otherwise unreportable.

Are Amsher Collection Services’ Practices Legal?

According to complainants, Amsher has a habit of attempting to collect on debts that have been discharged in bankruptcy or have been paid off. Once a debt collector is informed that a debt they are trying to collect on has already been paid or is no longer legally owed, such as after completing bankruptcy, it is considered collection harassment for them to continue calling or writing to the alleged debtor about the old debt. This is a blatantly illegal practice under both state and federal law, and remedy is available to consumers who act in a timely manner. In addition to state remedies, the Fair Debt Collection Practices Act (FDCPA) could provide statutory damages up to $1000.00 plus actual damages, reasonable attorneys’ fees and costs.

How can I defend myself against a debt collector like Amsher Collection Services?

To learn more about how the federal government regulates debt collection and protects debtors and other individuals from debt collection harassment, see FTC Debt Collection pamphlet. 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 debt collector or other business can be made at BBB complaints. Residents or those who have been victimized by a debt collector located in Alabama can file a complaint with the Alabama Attorney General’s Office online at https://www.alabamaag.gov/consumercomplaint.

If you believe you have a claim for collection 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.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Can a Debt Collector Garnish My Wages?

Has a debt collector or creditor threatened to garnish your wages? While there are situations where a collector can garnish your wages, they must first follow the proper procedure, and there are some federal benefits that generally cannot garnished. These include Social Security, Supplemental Security Income (SSI), and Veterans benefits. Some state benefits may also be excluded from garnishment by state law. You should check with an attorney in your state to determine if your state benefits are subject to garnishment.

Federal Benefits that Generally Cannot be Garnished

Federal benefits that are generally exempt from garnishment include:

Social Security
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Student Assistance
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Foreign Service Retirement and Disability Benefits
Civil Service and Federal Retirement and Disability Benefits
Military Annuities and Survivors’ Benefits
Federal Emergency Management Agency Federal Disaster Assistance.
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits

When Federal Benefits May be Garnished

If the debt you owe is to a government agency, such as the Internal Revenue Service (IRS) for federal taxes, or for a domestic support obligation, such as child support or alimony (known as spousal support in some states), then these federal benefits may be subject to garnishment.

What is the Procedure for Garnishing Wages?

Most creditors must file a lawsuit, obtain a judgment, and then ask the court for a garnishment order before they can begin garnishing a consumer’s wages. Government agencies however, may be able to bypass some of the procedural rules and garnish your wages by simply issuing a notice. If a debt collector is threatening you with wage garnishment and it does not have a judgment against you, it has most likely committed an FDCPA violation.

What Should I do if a Debt Collector Tries to Garnish My Wages or Benefits

If a lawsuit has been filed against you be sure that you follow the instructions on the Notice or Summons and respond within the time allowed. You should also attend all Court hearings. While you may not be able to stop a legitimate collector from obtaining a judgment against you, you will at least be able to present any evidence that you have regarding the amount owed, if the amount is in dispute, and you will be aware of the status of the proceedings and any attempts the collector makes to garnish your wages. If you receive state or federal benefits and have been sued or receive a notice of garnishment, you should consult an attorney to assist you in determining if your benefits are exempt from garnishment and help ensure that if they are, no garnishment order is issued.

If you have been sued by a debt collector or creditor or received a notice of garnishment, please contact our office at 1-800-219-3577, for a free, no obligation consultation.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

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

What is Alliance Asset Management, Inc.?

Founded in 2000, Alliance Asset Management, Inc. is reportedly operated out of Wood Dale, Illinois by its president, Mr. Paul Edwards, and its admin director, Ms. Diana Warner. While it appears Alliance Asset Management, Inc. is, itself, closed for business, the collector is most likely operating under an unknown alias in the same area.

Is Alliance Asset Management, Inc. a legit Debt Collection Agency?

Alliance Asset Management, Inc. has been recognized by the Better Business Bureau (BBB) since 2002 but is not accredited. The company maintains an A+ rating by the BBB even though the listing has not been claimed by the business owner and despite its 1-star average review. According to the CFPB, the agency is likely closed or at least is not currently conducting business under the name Alliance Asset Management, Inc. AAM, Inc. is a reported alias of Alliance Asset Management, Inc.

Alliance Asset Management, Inc. Contact Information:

330 Georgetown Sq # 104

Wood Dale, IL 60191-1890

(630) 760-1110 (phone)

(800) 399-8584 (toll free)

(630) 760-1123 (fax)

http://www.allianceasset.net

What kind of complaints does Alliance Asset Management, Inc. have Complaints against them?

Alliance Asset Management, Inc. has not received any BBB complaints but has received 28 CFPB complaints. Complaints against Alliance Asset Management, Inc. predominantly center around the collector’s communication habits. Some of the harassing tactics used by this debt collector include: frequent or repeated calls, use of obscene/profane/abusive language, threats to take legal action, contacting a consumer after being asked not to, and contacting a consumer’s employer after being asked not to. If true, these alleged debt collection harassment tactics are violations of the Fair Debt Collection Practices Act.

Are Alliance Asset Management, Inc.’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 Fair Debt Collection Practices Act, 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 Alliance Asset Management, Inc. represent activity that might violate the Fair Debt Collection Practices Act, including contacting the consumer’s employer and/or disclosing details about the alleged debt to third parties. Consumers have a right privacy on debt-specific communications, and unpermitted disclosure of debt information to anyone other than the alleged debtor may be a violation of law. 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 Alliance Asset Management, Inc.?

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 Illinois–based collectors can be made to the Illinois Attorney General’s Office. Questions or complaints regarding Springfield-based collectors specifically can be directed to 1-800-243-0618.

If you believe you have a claim for collection harassment or are a victim of another violation of state or federal debtor’s rights, you should speak with a 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.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Is the debt collection agency Alternative Recovery Management harassing you?

There are hundreds, if not thousands, of debt collection agencies working for a multitude of businesses. From small-town businesses and management, to large conglomerates, debt collectors will do just about anything to try to get paid as a middleman.

The same can be said for Alternative Recovery Management. Who exactly are they? Should you be worried if you are contacted by them? Here are the things you need to know about this debt collection agency, and if you should be worried about them or not.

What is Alternative Recovery Management?

Alternative Recovery Management is listed as a debt collection agency that offers their debt collection services to many different companies. They operate in the California area, and only have one office to serve the Pacific Southwest.

Is Alternative Recovery Management a legit Debt Collection Agency?

Alternative Recovery Management is a legitimate debt collection agency. They have been in operation for 29 years, having been started in 1990. Since then, they have been accredited since 1995 from the Better Business Bureau, who is the leading business information and profile database on the market. They currently hold an A+ BBB rating. However, they have a 1 star out of 5 stars from 2 customer reviews.

Alternative Recovery Management Contact Information

Address: 7373 University Ave Ste 209 La Mesa, CA 91942-0524

Website: https://alternativerecoverymgmt.com/

Other Website: https://www.ethicalcommunity.org/alternativerecoverymanagement

Fax Number: 1-619-469-9956

Phone Number: 1-619-469-6194

Does Alternative Recovery Management have Complaints against them?

Currently, Alternative Recovery Management has 8 listed consumer complaints on the BBB database. They also have 2 listed reviews, both at 1 star each.

Within the Consumer Financial Protection Bureau’s Consumer Complaint Database, there are no listed

What kind of Complaints have been made?

Of the 8 complaints made on the BBB database, 4 are made through the billing/collections section, and 4 are having problems with the product or service.

There is one discrepancy that is disputed by Alternative Recovery Management. The most recent complaint, made in January of 2019, alleges that the staff of Alternative Recovery Management were racist and rude to the consumer. The company retorted, stating that the claim was false, and that the consumer leaving the complaint was a fake consumer, refuting the claim that they were harassing and racist towards the consumer.

Although the racist comments may be false, it does not take away that they do have some issues. Many of the complaints allege that Alternative Recovery Management have attempted multiple times to falsify debt information to elicit larger payments than the original debt required. In a complaint in 2017, it states that there was even contested information between the debt collector and the original account holder of the debt. If these allegations are true, Alternative Recovery Management violated the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Are the Practices of Alternative Recovery Management Legal?

Although the racist callout is something of an enigma, and should not be taken lightly, there is no substantial information as to the legitimacy of the statement.

The practices of the other complaints and reviews, however, are worrisome. The usage of falsifying information, or deliberately misconstruing information, is considered debt collector harassment and an abuse of power. In regard to the Fair Debt Collection Practices Act (FDCPA), a debt collector may not use harassing phone calls, repeat phone calls, robocalls, abusive language, or misinformation to collect on a debt. These are all considered an abuse of power and seen as debt collector harassment that can be punishable by law.

Of the statements above, Alternative Recovery Management has used illegal methods in an attempt to collect on debts and should always be verified.

How can I protect myself and fight back against Alternative Recovery Management?

If you have been contacted by Alternative Recovery Management about a debt or outstanding balance, the first step you can take is to contact them asking for a verification of the debt. This can be an itemized letter with information on the original debt holder, as well as the original amount made. If they are unable to give you this information, you are free to refute the claims of the debt, as well as report them to higher authorities.

If Alternative Recovery Management does not back off, it is safe to start looking for an experienced and knowledgeable debt collection harassment attorney or lawyer. We here at the Law Office of Paul Mankin, APC, we have a well-trained and well-versed team of debt collection harassment attorneys that will work with you to secure your future and fight back against the debt collectors. We can assist you in identifying debt collector harassment practices, as well as help you document these abusive behaviors, and report them 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 under the Fair Debt Collection Practices Act (FDCPA). 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 Asset Recovery Solutions harassing you?

Have you ever dealt with an overly aggressive debt collector? Ever been called excessively on the phone, asking them to stop, only to have them call once again, or hear what sounds to be a recorded message on the other end?

Here is what you need to know if you have been contacted by Asset Recovery Solutions, and how to defend yourself against their illegal tactics.

What is Asset Recovery Solutions?

Asset Recovery Solutions, or Asset Recovery Solutions Inc, is listed as a debt collections agency that deals primarily with large and company debts that need to be collected on.They serve the Chicago and Northern Illinois areas, with an emphasis on Chicago. However, they are known to help a little in the southern areas of Illinois as well. They are headed by their CEO Steven Fishbein. Their corporate managers are Tony Eshaya and Kirsten Bernheim.

Is Asset Recovery Solutions a legit Debt Collection Agency?

Yes, Asset Recovery Solutions is a legitimate debt collection agency. They were started in 2009, with their Better Business Bureau file being opened later that same year. They were then accredited by the BBB in 2013, and have been in business for 11 years. They currently have an A+ rating with the BBB. However, they have a 2 star average out of 5 stars from 11 customer reviews.

Asset Recovery Solutions Contact Information

Address: 2200 E Devon Ave Ste 200 Des Plaines, IL 60018-4501

Website: Http://www.assetrecoverysolutions.com

Phone Number: 1-888-678-0087

Other Phone: 1-847-257-8305

Other Phone: 1-888-678-0028

Fax Number: 1-847-789-0007

Alternate Names:

ARS Solutions LLC
Asset Recovery Solutions Inc.

Does Asset Recovery Solutions have Complaints against them?

Asset Recovery Solutions has quite a few complaints made against them. Through the BBB database, there are 32 listed complaints made against Asset Recovery Solutions. There are also 11 complaints made against Asset Recovery Solutions that are 2 stars or below.

The Consumer Finance Protection Bureau’s Consumer Complaint Database yields even larger numbers. Through them, Asset Recovery Solutions are found to have 262 complaints against them, ranging in severity.

More notably, in 2014, Asset Recovery Solutions was brought to trial due to allegations made against them from one Monique Bursey stating that they had used illegal and predatory tactics in an attempt to collect on a debt. These included:

Excessive Calls
Verbal threats
Calling her workplace
Robocalls

The complaints made through the numerous databases clearly show a practice state of Asset Recovery Solutions that go against the Fair Debt Collection Practices Act’s (FDCPA) codes and guidelines. The FDCPA, or Fair Debt Collection Practice Act, debt collection agencies have certain lines that they cannot cross. These include such practices as:

Excessive calls throughout the day/Robocalls
Calling consumer’s workplace or family members
Threatening with verbal, physical, or legal action
Misguiding or lying about a debt
Using Misinformation in an attempt to elicit payment

Asset Recovery Solutions has allegedly done each of these items listed, and as such, have been harassing and threatening consumers and debtors in an immense way. As such, they do not deserve your time or money, and you should look to challenge them at every step.

How can I protect myself and fight back against Asset Recovery Solutions?

If you or a loved one have been contacted by Asset Recovery Solutions, or anyone of their numerous aliases, then it is time to defend yourself against their harassment. The first step is to verify the debt collection representative, as well as the debt itself. This is well within your right, and if they attempt to challenge you, make sure to state clearly that you deserve to know who you are talking to. Verifying who the representative is can be simple: Call the main company, and ask if they have the representative on their staff listing. The debt can be verified in a number of ways, including getting in touch with the original debt holder, and asking for physical evidence of the debt. If the representative is not able to provide such information, you are not obligated to pay the debt, no matter how much they attempt to threaten you.

If they continue to harass and threaten you, it may be time to seek legal counsel. We here at the Law Office of Paul Mankin, APC have a strong team of debt collection harassment attorneys that are willing to work with you every step of the way. We can help assist you in identifying debt collection harassment patterns and techniques, as well as put a stop to the harassment, and help you report the excessive abuse to the proper authorities and courts.

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 Assetcare, LLC harassing you?

AssetCare LLC may be a name you are familiar with if you have an outstanding debt. This is especially true if your lender is based in the state of Texas. Whether a debt is truly owed is a question of what evidence can be produced, but AssetCare LLC is sure to try and collect based on the evidence provided by the individual or debt collection agency hiring them. This is normal in the debt collection agency business world, so do not take offense if they tend to believe their client over you. Just to make sure you understand who or what you are working against, we have compiled some background information on the debt collection agency to assist you as they pursue debt collection efforts against you.

What is AssetCare LLC?

AssetCare LLC is a debt collection agency located in Sherman, Texas. It is a fairly young debt collection agency, having only been around since 2016. This debt collection agency also does business under the name of “CF Medical VI, LLC”. The agency operates to the standard of a B- rating from the Better Business Bureau.

Is AssetCare LLC a legit Debt Collection Agency?

Managed by President Mark Detrick, the debt collection agency seems to be a legit debt collection agency. The debt collection agency employs somewhere around 20 employees.

AssetCare LLC Contact Information:

The toll free number to get a hold of AssetCare, LLC (or CF Medical VI, LLC) is 1-888-993-3604.

The debt collection agency also holds a PO Box in the city of Sherman.

You can mail the debt collection agency at:

AssetCare, PO Box 1127, Sherman, TX 75090

Does AssetCare LLC have Complaints against them?

Complaints have been made against the debt collection agency according to PACER website records. With this evidence, along with their Better Business Bureau rating, it seems evident that the debt collection agency tends to harass consumers for debt collection purposes.

What kind of Complaints have been made?

One example of a complaint against the debt collection agency came around August 2017. The debt collection agency tried to report a consumer to Transunion under the incorrect name of the original creditor. The Florida consumer allegedly owed a medical debt and claimed the debt collection agency used false and deceptive means to compel collection of the debt. The consumer also claimed unfair means to collect the debt by AssetCare LLC, as well as the debt collection agency using inaccurate information to credit bureaus during the process.

Are the Practices of AssetCare LLC Legal?

While it’s not fair to assume that AssetCare uses illegal practices in all of their cases, they certainly did not comply with the law in the August 2017 case in which the consumer filed a complaint against the debt collection agency as mentioned above.

It is not legal to use false information to compel collections, nor to use false information to file collection matters with credit reporting agencies. If AssetCare LLC is normally using these practices, they are certainly not within the scope of the law.

How can I protect myself and fight back against AssetCare LLC?

Whether AssetCare is contacting you under their normal entity name, or the alternate “doing business as” name, know that they cannot harass or use unlawful tactic to force debt collection actions against you.

In times where you feel harassed or bullied by this debt collection agency, feel free to reach out to an experience legal team such as ours to assist you in your time of need. With our legal experience in debt collection actions, you are sure to be working with some of the best this city has to offer.

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 debt collection agency 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 collection agency Advanced Financial Company harassing You?

There are plenty of scammers and fraudulent companies looking to try to make a quick dollar through preying off of innocent victims. These people target indiscriminately, and hound the target until they get their way. Whether it be through an abuse of misinformation, or harassing phone calls and robocalls, these kinds of companies are not unique, and have been around for quite some time.

In such cases, there is one company known as Advanced Financial Company. Are they a proper service, or are they a scam? If you have been contacted by Advanced Financial Company, you maay want to keep reading.

What is Advanced Financial Company?

Advanced Financial Company is seen as a loan service and property owner’s association servicing, that deals specifically with billing, payment processing, customer service, and delinquency collections. They are listed to have been in business since 1990, and work to serve the Pacific Southwest, as listed by the Better Business Bureau.

Is Advanced Financial Company a legit Debt Collection Agency?

Yes, Advanced Financial Company are a legitimate debt collection agency. Currently, they have been in business for 29 years, and have been accredited for 11 of those years. They currently hold an A+ BBB rating, and operate out of California. They hold multiple offices and locations, allowing them to serve a wider spread of people throughout the California area.

Advanced Financial Company Contact Information

Primary Address: 5900 Pasteur Ct Ste 200 Carlsbad, CA 92008-7336

Fax Number: 1-(760)-828-4230

Other Fax: 1-(760)-828-4521

Phone Number: 1-(800)-234-6222

Other Phone: 1-(888)-477-6967

Other Phone: 1-(760)-828-4520

Other Phone: 1-(760)-431-4545

Other Phone: 1-(760)-828-4230

Website: http://www.advancedfinco.com

Other Website: https://www.ethicalcommunity.org/advancedfinancialcompany

Other Location: 5500 Grand Pacific Dr Carlsbad, CA 92008-4724

Does Advanced Financial Company have Complaints against them?

Currently, there are no registered complaints against Advanced Financial Company. The BBB has zero complaints listed against them, and the Consumer Financial Protection Bureau has no records of complaints against the company either.

Are the Practices of Advanced Financial Company Legal?

For the most part, the practices of Advanced Financial Company are seen as legal and safe. They do not have any complaints listed against them through either the BBB or CFPB Consumer Complaint Database.

However, there are some dangers as to how their business is set up. Due to the nature of the business, Advanced Financial Company being both a loan operation, as well as a debt collection agency, can lead to dangerous scenarios with debt collection harassment and misinformation. Since they are able to monitor your information as soon as you collect on the loan, they may also attempt to fraudulently collect by giving improper information, which goes against the FDCPA laws and guidelines. If they do attempt such a tactic and practice to try to collect on a debt, it would fall under debt collector harassment, meaning it would be illegal and inappropriate by Advanced FInancial Company.

How can I protect myself and fight back against Advanced Financial Company?

Fighting back and protecting yourself against Advanced Financial company can be somewhat difficult to tackle. First, we need to talk about how a loan shark operates, and how to protect yourself against them.

Loan offices will look to always catch you unawares. This means that they know that you may be desperate to get a loan, and will look to coerce you through sweet words and shallow promises. If you are about to procure the assistance of a loan office, make sure to always read the fine print, and know what you are signing up for.

If you are already into deep trouble with Advanced Financial Company, however, then there are some steps you can take to try to get back on a good path. If you have been getting harassing phone calls from debt collectors, and even been getting called for a debt you do not owe on a wrong number, then you may be entitled to a no fees lawsuit against Advanced Financial Company. This is because this type of harassment breaks the FDCPA laws set in place to keep debt collectors from getting abusive with their powers.

If you are needing help, the best first step to take is to look and hire a reliable and experienced debt collect harassment lawyer or attorney. We here at the Law Office of Paul Mankin, APC employ a team of well-trained and experienced collection harassment attorneys and lawyers that can assist and shield you throughout the entire process. We can help you stop the debt collector harassment, as well as show you how to report the debt collector harassment to the proper authorities, and assist in identifying what is considered harassment by a debt collector.

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

Can A Debt Collector Take Your House?

Owing money that you cannot pay can be very stressful, particularly if a debt collector is harassing you and threatening to take your things. You might begin to wonder, can a debt collector take my house? The short answer is no, a debt collector cannot take your house. However, a creditor whose loan is secured by your house can foreclose on the loan and take the house, and depending on your state laws, a debt collector without a security interest in your home may be able to put a lien on it.

Secured vs. Unsecured Debt and Foreclosure

In order to understand who can take your house when you owe them money, you must first understand secured vs. unsecured debt. A secured debt is a loan that you take out and use your property as collateral in order to “secure” the loan. The main type of secured debt is a mortgage. When you borrow money to buy a home, you use the home as collateral for the loan; this means that the home secures the mortgage and if you do not pay the mortgage, the bank can foreclosure on the loan and take the home that is securing it. In order to foreclose, the bank must file a complaint with the court and serve you a copy of the complaint. During the foreclosure proceedings, you may be able to reach a settlement agreement with the mortgage company to catch up the past due amount over time, catch up the payments on your own before a judgment is obtained, or file a chapter 13 bankruptcy to prevent foreclosure and allow you to pay the past due amount as part of your chapter 13 bill repayment plan. If you are facing foreclosure, you should contact an attorney in your state immediately to help you determine what your best course of action may be. Even if you do not wish to keep your house, you may be able to protect your credit and prevent the mortgage company from coming after you for any deficit from the sale of your home.

Unsecured debt makes up the majority of consumer debt and includes all the bills you owe or loans you took without using property to secure the loan. Unsecured debt consists of things such as:

Medical expenses
Credit card bills
Utilities (phone, internet, electric, gas, water, etc.)
Personal loans
Tuition and student loans

A debt collector attempting to collect on an unsecured debt cannot take your house. If one has threatened to take your house, they are in violation of the Fair Debt Collection Practices Act (FDCPA), a federal law, which specifically prohibits a debt collector from threatening to take any action it cannot legally take in order to get a consumer to pay a bill. If a debt collector with an unsecured debt has threatened to take your house, you should consult a consumer attorney in your state about the violation. You may be able to recover money from the debt collector for its violation of the FDCPA.

Debt collectors collecting on unsecured debt can call you, write you letters, report the unpaid debt to the credit reporting agencies, and if you still do not pay, can file a lawsuit against you. Once a debt collector has sued you, it may then be able to put a lien on your house, if state law allows it, but only once it has followed the proper court procedures.

What is a Lien and How Can a Debt Collector Get One on My House?

A lien against your house will show up in the title work when you attempt to sell your home. In order to clear the lien and proceed with the sale, you will have to pay it. A lien holder, or the person who obtained the lien against your house, cannot force you to sell it or take it from you. They simply place the lien on your biggest asset, your home, so in case you ever sell it, they can collect what you owe.

There are three types of liens that someone can get on your house, tax liens, mechanics liens, and judgment liens. A tax lien is just what it sounds like and may be placed on your home by a government entity to which you owe taxes, such as property taxes or state or federal income taxes. A mechanics lien may be placed on your home by a carpenter, plumber or general contractor in order to secure payment for work done on the home. A judgment lien is the type of lien that a debt collector may be able to get, but there is a process that they must follow in order to do so, as well as state laws which may limit the amount of any lien they are able to put on your house.

In order to get a judgment lien on your house, a debt collector must first obtain a judgment against you in court. If the judgment goes unpaid, the collector can then ask to garnish your wages, levy your bank account, or place a lien on your property. State law governs how a debt collector with a judgment may collect on it and, if it can place a lien on your property, the maximum amount of the lien it can place.

According to Realtor.com, liens are not as uncommon as home buyers and sellers might think, and are no reason to panic. Simple liens can generally be cleared up at the time of the sale of the home by working with the lien holder to pay the lien from the proceeds of the sale. More complicated liens, it says, may however require the assistance of an attorney.

If a debt collector or creditor has threatened to take your house or placed a judgment lien on your home that you wish to have removed without selling it, please contact our office today at 1-800-219-3577, for a free, no obligation case review.

UncategorizedNovember 6, 20230 comments

by Paul Mankin

Are you being harassed by the debt collection agency AIT Credit Services?

There are some debt collection agencies that are fairly well known in the world. Some work directly under credit card companies to help collect on unpaid debts. Others work independently, allowing for a smooth debt collection retrieval to take place.

However, there are some cases where debt collectors push the envelope on how they attempt to collect. Usage of robocallers and threatening letters and messages are just some of the tactics used by some in the debt collection business. Not only that, there are plenty of scammers and illegal activities being done in an attempt to make a bit of money.

One such debt collection agency is AIT Credit Services. If you have not heard about them, then no fear. These are the important facts to note about AIT Credit Services, and if they can be trusted or not.

What is AIT Credit Services?

AIT Credit Services Inc. is listed as a collection agency that is based out of New York. Started in 1991, they also go by the name A.I.T. Credit Services Inc. Their president is Mr. Teper, as listed on the Better Business Bureau.

Is AIT Credit Services a legit Debt Collection Agency?

They are considered to be a legitimate company. They currently have been in business for 28 years, and have no complaints on the BBB website. However, there is no given rating for AIT Credit Services, as the BBB states that they do not have enough information to give a proper rating to them. This could either mean that they have not filled out the information, or that they do not wish for the information to be made readily available.

AIT Credit Services Contact Information

Address: 1739 East 45th Street Brooklyn, NY 11234

Other Address: 2222 Flatbush Avenue, #391 Brooklyn NY 11234

Phone Number: 1-718-241-1650

Other Phone: 1-718-241-1713

Fax Number: 1-718-241-0690

Website: https://aitcredit.com/

Does AIT Credit Services have Complaints against them?

Currently, AIT Credit Services has no complaints against them on the Better Business Bureau.

Currently, AIT Credit Services has no complaints against them listed within the Consumer Financial Protection Bureau Consumer Complaint Database.

Does this mean they are safe and harmless?

Unfortunately, this cannot be further from the truth. Just because there are no listed complaints does not mean some have not been made. As listed on their website, they are more for the people attempting to collect on the debt as a third party collector. This means they may attempt to use just about any means to collect on your debt. This can include robocalls, excessive harassing phone calls, as well as robocalls. If you feel that the messages and calls that you have received are excessive in nature, then understand that you do have the law on your side through the Fair Debt Collection Practices Act, as well as companies that are willing to help you fight back against such abusive behavior.

How can I protect myself and fight back against AIT Credit Services?

To start the fight back against AIT Credit Services, you need to start at the root of the debt itself. This means to verify if the debt is even yours to begin with. Ask AIT Credit Services if they have any proof or verification that the debt is yours. If so, request for a written letter that states it as such, as well as contact information on who the debt is owed to.

If the debt has been authorized, and you are still being harassed, then send a cease and desist letter to the company. Make sure to make a copy for yourself as well, in case AIT attempts to fudge the letter up. If you feel you have been mistreated at any point during this case, it is also wise to hire an experienced and professional debt collection harassment attorney or lawyer, such as the ones here at the Law Office of Paul Mankin, APC. We here at the Law Office of Paul Mankin, APC are proud of our team that can help assist you in understanding and identifying debt collection harassment under the Fair Debt Collection Practices Act, as well as how to put a stop to it.

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 under the Fair Debt Collection Practices Act and California Fair Debt Collection Practices Act. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment.

UncategorizedNovember 6, 20230 comments