Is Aaron Recovery Systems harassing you?

by Paul Mankin

Is Aaron Recovery Systems harassing you?

What is Aaron Recovery Systems?

Aaron Recovery Systems, LLC is a debt collection agency that may be reaching out to you to collect debt from you on behalf of a supposed creditor. In this article, your will learn who they are, how to stop debt collectors harassment, and become educated on legal options surrounding harassment from credit card companies.

Aaron Recovery Systems is based out of Eau Claire, Wisconsin and has been in business for about 8 years now, having first registered in Wisconsin in May of 2011.

Is Aaron Recovery Systems a legit Debt Collection Agency?

They were legit, but may not be operating under the company name any longer. If you visit their website at www.aaronrecovery.com, you will be redirected to www.upgradeyourcollections.com with the business name header of Credit Service Intl.

This is because Aaron Recovery Systems LLC was dissolved in the state of Wisconsin in June of 2015. Whether this means they were bought out by the Credit Service Intl. business or not is unknown. However, no one in currently authorized to be doing business in Wisconsin under the Aaron Recovery Systems LLC name.

Aaron Recovery Systems Contact Information

The Better Business Bureau lists the following address for Aaron Recovery Systems, LLC:

800 Wisconsin Street Bldg D02 Unit 4

Eau Claire, WI 54703

The Better Business Bureau lists the following phone number for Aaron Recovery Systems, LLC:

(715) 514-5100

This number is also found by a simple Google search.

Does Aaron Recovery Systems have Complaints against them?

Aaron Recovery Systems, LLC currently has no customer complaints against them on the Better Business Bureau page.

What kind of Complaints have been made?

While no formal complaints exist on the company’s profiles on the Better Business Bureau or Google pages, this does not mean that the company is free from outside complaints.

In 2014, an individual by the name of Kelli Cornelius did file suit against the business for violating the FDCPA in various ways. Ms. Cornelius was able to win in court when her consumer attorney was able to make a case for these violations. Hopefully, Aaron Recovery Systems, LLC has learned its lesson that they cannot make misleading threats against consumers in an attempt to bully debtors.

Are the Practices of Aaron Recovery Systems Legal?

According to this lawsuit’s filings, the practices of Aaron Recovery Systems may not be legal. While things have likely changed since the successful suit. The claims made against the company were that the messages left in an attempt to recover did not provide meaningful information and used false, misleading information to try and collect.

Aaron Recovery Systems, in this case, threatened to harm the plaintiff’s credit score forever (not a valid claim) and to garnish her wages and sue her (empty threats).

It may be no coincidence that the registration for the business dissolved a year later. While they may still be in business, it is also possible that the business sold their practice and are under a different parent company now.

How can I protect myself and fight back against Aaron Recovery Systems?

For starters, if you are being harassed by debt collectors or Aaron Recovery Systems, get in touch with a debt collector harassment lawyer right away. Additionally, save and record all communications with the business. The fact that they are operating under an unlawful business registration is a good starting point for a claim against their collection practices. Beyond this, any unlawful practices in violation of the FDCPA can only serve to help your case more.

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. You do not have to sit by and suffer debt collector harassment without recourse.

Contact our attorneys the Law Office of Paul Mankin, APC at 1-800-219-3577 today and schedule your consultation immediately.

by Paul Mankin

Is the debt collection agency American Accounts Advisors harassing you?

American Accounts Advisors sounds like a company that may help you monitor your money, as well as help you prepare for the future. However, don’t be fooled. In reality, they work as debt collection agency to help companies repay their debts by any methods possible. As such, it is important to know how to defend yourself against such debt collection companies. Here are the things you need to know when it comes to the debt collection agency American Accounts Advisors.

What is American Accounts Advisors?

Listed as a debt collection agency, American Accounts Advisors is a multi-location business that consults on debt collection and reconciliation.

They work within Minnesota and North Dakota, while being run by Bryan McGroarty who is listed as the President.

Is American Accounts Advisors a legit Debt Collection Agency?

They are a legitimate business. Having been in business since 1986, they have 34 years of experience under their belts. They do have alternate names, with American Accounts and American Accounts & Advisors.

They currently hold an A+ rating with the Better Business Bureau. However, they are not accredited through the BBB, and hold a 2.2 star rating out of 5 stars.

American Accounts Advisors Contact Information:

Address: 7460 80th St S Cottage Grove, MN 55016-3007

PO Box: PO Box 250 Cottage Grove, MN 55016-0250

Phone Number: 1-651-287-6100

Other Phone: 1-651-405-9760

Fax Number: 1-651-405-9846

Website: http://www.amaccts.com

Does American Accounts Advisors have Complaints against them?

They have quite a few debt collection complaints against them. American Accounts Advisors currently have 9 listed complaints on the BBB database, with 2 coming in from the last 12 months. They also have 6 customer reviews, with the average coming out to 2.2 stars.

There are currently 96 complaints logged within the Consumer Financial Protection Bureau’s Consumer Complaint Database. These range in different issues, but with 96 complaints, it is hard to assume that American Accounts Advisors are legal and proper. If some of these allegations are true, American Accounts Advisors violated the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA).

What kind of Complaints have been made?

There are numerous complaints made. Within the BBB website, many complaints are made due to billings and collections, with the reviews also putting a negative light on American Accounts Advisors.

Within the CFPB’s CCD, of the 96 complaints made, 84 were made due to debt collection issues, 11 were made due to faulty credit reporting, and 1 was due to a student loan collection issue.

Are the Practices of American Accounts Advisors Legal?

Of the practices mentioned within the complaints, it is safe to say that the practices used are not legal or allowed under the Fair Debt Collection Practices Act (FDCPA). There are complaints stating that the representatives used harassing and aggressive language, as well as excessive phone calls throughout the days and nights. Not only that, they had attempted to employ a robocalling system that is highly illegal as well.

There are also debts that American Accounts Advisors attempted to collect on that were not verified, as well as debts that were not even under their own names.

How can I protect myself and fight back against American Accounts Advisors?

If you or a loved one you know has been contacted by American Accounts Advisors, know that you do have rights under the Fair Debt Collection Practices Act (FDCPA). The first thing you should do is to ask for verification of the debt, or authorization that the debt is proper. This can be done by asking for an origin point, as well as documentation of the debt. If the debt cannot be verified, you are not obligated to pay any of it.

If you are still being harassed, you may look towards getting yourself an experienced and well-versed debt collection harassment attorney. We here at the Law Office of Paul Mankin, APC hold a history of successful defenses against the likes of illegal and improper practices from debt collectors. We are able to help you identify, stop, and report debt collection harassment to the proper authorities.

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

The most important bit of information in your fight is to always remain vigilant. No matter who you have at your side, it can seem like a daunting battle against such a large company and agency. If you have ever been the subject of:

• Multiple calls per week from a third-party collection agency
• Multiple calls in the early morning or late night from debt collectors.
• Violent and belligerent language and harassment from debt collectors.
• Threats of arrests or poor credit due to outstanding debts.
• Having your friends, family, and coworkers harassed from debt collectors.
• Automated robocalls from third party collection agencies.

Then you may have a case available. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment.

by Paul Mankin

Is Pacific Credit Exchange Harassing You?

Pacific Credit Exchange

Pacific Credit Exchange (Pacific Credit) is a third-party debt collection agency that is based in Encino, California.

Consumers have reported Pacific Credit to the Consumer Financial Protection Bureau (CFPB) for abusive debt collection practices. The CFPB is a government agency that is tasked with protecting consumers from unlawful debt collection practices. Consumers complain that Pacific Credit engages in the following harassing debt collection practices:

• Attempting to collect a debt that is not owed by the consumer;
• Making false or misleading statements; and
• Threatening to file a lawsuit if payment is not made.

After being contacted by Pacific Credit, a consumer attempted to arrange a payment plan for the debt. The consumer reported that the employee was not only rude and unprofessional, but also began to insult the consumer for not being able to pay the entire debt at that time. The consumer asked to speak with the employee’s supervisor. Like the employee, the supervisor was rude and aggressive. The supervisor yelled at the consumer and said that Pacific Credit would sue the consumer for nonpayment.

The Fair Debt Collection Practices Act (FDCPA) protects consumers from harassing and abusive behaviors. A debt collector or creditor is not permitted to verbally abuse, use profane or obscene language, mock, or insult a consumer. All communications, both written and verbal, should remain respectful and professional.

Additionally, both federal and California state law prohibit debt collectors and creditors from threatening to file a lawsuit in an effort to force payment. Such empty threats are considered false and misleading statements designed to intimidate consumers into making payments.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold Pacific Credit accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.

by Paul Mankin

Is DBF Collection Corp Harrassing You?

DBF Collection Corp is a debt collection agency doing business in Hewlett, New York. The agency has been in business since 1984 and collects on real estate, medical and retail accounts.

Contact Information:

P.O. Box 447

Hewlett, NY 11557-0447

(516) 295-4636

http://www.dbfcc.com/

The Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB) do not list any complaints against DBF Collection Corp. However, the company has been sued at least twice in the U.S. District Court for New Jersey for violations of the Fair Debt Collection Practices Act (FDCPA). One complaint alleges that DBF Collection Corp. mailed collection letters to the plaintiff, and possibly thousands of other consumers, intentionally giving the false impression that the company was authorized by, or employed by, one of the major credit reporting agencies to collect on the debt, that it was acting as an agent of the City of New York, and that an attorney was involved in the collection attempt, in order to intimidate the consumers into paying the debt. The complaint also alleges that DBF Collection Corp. also failed to provide the required 30 day notice and continued to contact the Plaintiff after being asked not to do so. The other complaint against the company involves its attempt to collect past due rent from a consumer who did not believe that he owed the debt. His complaint alleges that each letter he received from the agency claimed that he owed a lesser amount of money than the letter before, despite the fact that he had made no payments on the debt, and that no verification of the debt was ever provided to him, although he had requested one.  Both of the cases were settled and subsequently dismissed.

The FDCPA is a federal act that was passed in order to help prevent debt collectors from using abusive and unfair practices to collect on debts. It requires debt collectors, among other things, to cease collection attempts once a consumer has requested that it do so in writing and to provide a consumer with written verification of a debt once it is requested. The Act also prohibits collection agencies from using any false, misleading, or deceptive means to collect on a debt. It specifically includes falsely implying that the collector is affiliated with any governmental agency or that its communications are from an attorney as prohibited acts. 

Is DBF Collection Corp attempting to collect on a debt without providing you with verification, mailing you collection letters implying that it is authorized or employed by a credit reporting agency, or harassing you after you have asked them to stop collection attempts? If so, please contact our office for a free, no obligation consultation at 1-800-219-3577.

by Paul Mankin

Law Office of Paul Mankin, APC

Contact Info

4655 Cass Street, Suite 410
San Diego, CA 92109
800-219-3577

Operating Hours

Mon, Tue, Wed, Thu, Fri: 08:00am – 05:00pm

PAUL MANKIN
More Info

by Paul Mankin

Is Conrad Credit Corporation Harassing You?

Conrad Credit Corporation

Conrad Credit Corporation (Conrad) is a third-party debt collection agency located in Escondido, California. It is a subsidiary of Conrad Companies.

The Consumer Financial Protection Board (CFPB) is a government agency charged with protecting consumers from unfair, deceptive or abusive debt collection practices. The CFPB has received consumer complaints regarding Conrad’s unlawful debt collection practices, which include complaints of:

• Attempting to collect a debt not owed by the consumer;
• Continuing to call after being asked to stop;
• Threatening to harm credit if payment is not made; and
• Refusing to validate or provide proof of a debt.

One consumer filed a complaint that Conrad was threatening to report the debt to a credit bureau if the consumer did not make a payment immediately. The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) prohibit debt collectors and creditors from threatening to report a debt to a credit bureau when the debt collector has no intention to do so. This is considered a false and misleading representation that is designed to intimidate or force the consumer to make a payment.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold Conrad accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.

by Paul Mankin

Is the collection agency Advanced Credit Management harassing you?

Getting a call from a collection agency can be a stressful and chaotic period in your life. You may not know why they are calling, or who they are even calling for. You may be inclined to just fall into what they are attempting to ask of you, just to make them stop harassing you. However, these solutions may not be the right ones. This is also the case if you have been contacted by Advanced Credit Management, which is known as a credit service and collection agency.

What is Advanced Credit Management?

Advanced Credit Management is listed as a credit service and debt collection agency on the Better Business Bureau directory. They have been in business for 32 years, and opened their BBB file in 2006.

They are associated with Advanced Billing Management, a medical billing company, and almost sister company to Advanced Credit Management.

Is Advanced Credit Management a legit Debt Collection Agency?

Advanced Credit Management are a legitimate debt collection agency. Started in 1987, they were incorporated in Utah, and currently still reside there. They hold their business out of Orem, Utah, and have an A+ rating with the BBB.

Their sister company, Advanced Billing Management, has no known information within the BBB database. It is stated on their website that Advanced Billing Management is primarily their medical billing company, which Advanced Credit Management is the parent company of.

Advanced Credit Management Contact Information

Address: 835 N 900 W, Orem, UT 84057-7701

Fax Number: 1-(801)-431-0385

Phone Number: 1-(801)-224-6200

Website: https://www.advancedcreditmanagement.net/

Does Advanced Credit Management have Complaints against them?

There are currently no listed complaints against Advanced Credit Management. The BBB has 0 complaints in the years that it has been opened. A quick search on the Consumer Finance Protection Bureau Consumer Complaint Database shows that there are no lodged complaints against Advanced Credit Management, either.

There are no listed complaints against Advanced Billing Management through the CFPB consumer complaint database. The Better Business Bureau also has no information on Advanced Billing Management, which would hold that they may not be a fully credited company.

Are the Practices of Advanced Credit Management Legal?

Although there are no formally lodged complaints against Advanced Credit Management, this does not mean that you should completely trust them at all points. There is a fine line that should be drawn when talking about how a debt collection agency attempts to collect on a debt.

With Advanced Credit Management, they tend to deal primarily with businesses and companies. This means their management of personal or individual debts and collections may be on a more shaky ground. If push comes to shove, they may have a tendency to harass and call you excessively, which would be a breach of the FDCPA. Things such as debt collector harassment through wrong number calls, or harassment through abusive and threatening acts can be a major issue when it comes to debt collectors.

How can I protect myself and fight back against Advanced Credit Management?

Protecting yourself against such aggressive and abusive behaviors can be somewhat tricky. However, with the right tools and people by your side, you can always have a chance at putting a stop to the power trip of debt collectors.

The main way to stop debt collector harassment is to hire and employer a debt collector harassment lawyer or attorney. We here at The Law Office of Paul Mankin, APC have a strong, experienced group of collection harassment lawyers and attorneys that would be willing to assist and help you against the injustice of debt collectors. We are able to help identify what is considered to be harassment by debt collectors, stopping the debt collector harassment, and reporting the harassment to the proper authorities.

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

The most important bit of information in your fight is to always remain vigilant. No matter who you have at your side, it can seem like a daunting battle against such a large company and agency. If you have ever been the subject of:

• Multiple calls per week from a third party collection agency
• Multiple calls in the early morning or late night from debt collectors.
• Violent and belligerent language and harassment from debt collectors.
• Threats of arrests or poor credit due to outstanding debts.
• Having your friends, family, and coworkers harassed from debt collectors.
• Automated robocalls from third party collection agencies.

Then you may have a case available. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment.

by Paul Mankin

Is Capital Accounts, LLC Harassing You?

Capital Accounts, LLC is a debt collection agency located in Nashville, Tennessee. It has been in business since 2003 and collects nationwide for all types of companies. 

Contact Information:

PO Box 140065

Nashville, TN 37214

Phone: (800) 282-3214

http://www.usecapital.com

On its website, Capital Accounts, LLC claims that all of its collection attempts “are conducted in strict compliance with the Fair Debt Collection Practices Act” the 450 plus complaints filed against it with the Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB) since 2015 seem to tell a different story. The complaints allege that the collection agency:

• Attempted to collect a debt from a family member it knew did not owe the debt
• Failed to provide debt verification information
• Used abusive language when attempting to collect on a debt
• Debited a consumer’s bank accounts after the account was paid
• Reported false credit information to the credit reporting agencies
• Charged fees not authorized by the original contract
• Failed to properly apply payments to consumers’ accounts
• Continued contacting consumers after being asked to stop
• Used abusive language when attempting to collect on a debt

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.

A large number of the complaints concern Capital Accounts, LLC’s refusal to provide proper debt verification for medical bills. It apparently will only provide a list of charges they claim are owed, with no service dates, no copies of any bills, or any further information. In its responses to these complaints, the debt collector claims it has no legal obligation to provide any information it does not have and it believes the debt to be valid. It also tells consumers they must contact the original creditor for further information, even when the original creditor is no longer in business and impossible to contact, and then continues its collection attempts. It appears from the consumer complaints and Capital Accounts, LLC’s response to them that it only corrects billing and payment mistakes after the consumer files a public complaint with the BBB or CFPB.

If Capital Accounts, LLC is using unfair, abusive, or deceptive practices in order to collect a debt from you, please contact our office for a free, no obligation case review at 1-800-219-3577.

by Paul Mankin

Is Northland Group, Inc. Harassing You?

Northland Group Inc. is a debt collection agency located in Edina, Minnesota. The agency has been in business since 1982 and collects on many types of consumer debt including medical, credit card, student loan and other debt.

Contact Information:

7831 Glenroy Rd #350

Edina, MN 55430

(952) 820-9558

While the Better Business Bureau (BBB) reports no complaints against Northland Group, Inc., the Consumer Financial Protection Bureau (CFPB) has received 110 complaints against the collection agency over the last four years. These complaints allege that the company has violated the Fair Debt Collection Practices Act (FDCPA) in numerous ways, including:

• Calling a number repeatedly, after being told the person they were looking for did not live there or own the phone number
• Telling consumers they would be arrested if they did not pay a debt.
• Attempting to collect the wrong amount
• Failing to inform consumers they are a debt collection agency, attempting to collect a debt
• Contacting debtors after being asked in writing not to
• Attempting to collect on debts discharged in bankruptcy
• Speaking to third parties about a debt

Many of the complaints were filed because Northland Group, Inc. either continued calling a telephone number after being told repeatedly that they have the wrong number or because they refused to provide the consumer with any information about the original debt unless the consumer first gave them personal information such as their social security number. And in this day and age, it is certainly not wise, nor required by any law, that a person give their social security number to a voice on the other end of the telephone line.

The FDCPA requires a debt collector to provide a consumer with certain written information within five days of the initial contact if the debt has not yet been paid and the information was not provided during the initial contact. This includes the amount of the debt, the name of the creditor to whom the debt is owed, and notice that the consumer has thirty days to dispute the debt before it is assumed to be valid.  If the consumer disputes the debt within the thirty days, the debt collector must then mail the consumer the name and address of the original creditor and a copy of any judgment that may exist. A consumer is not required to provide the debt collector with their social security number before this provision of the Act applies. The FDCPA and Rosenthal Fair Debt Collection Practice Act (RFDCPA) also specifically prohibit a creditor or debt collector from annoying, abusing, or harassing a person by repeatedly calling their telephone number.

If Northland Group is annoying, abusing, or harassing you it is time they are held accountable for their actions. For a free, no obligation consultation, please call our office at 1-800-219-3577.

by Paul Mankin

Is Continental Central Credit, Inc. Harassing You?

Continental Central Credit, Inc.

Continental Central Credit, Inc. (CCCI) provides debt collection services for certain companies, including Vacation Resorts International, Tricom Management, and Pioneer Memorial Hospital. CCCI was founded in 1981 and is based in Carlsbad, California.

According to its website, CCCI prides itself in adhering to all state and federal consumer laws; however, the Consumer Financial Protection Bureau (CFPB), a government agency charged with protecting consumers from unfair, deceptive or abusive debt collection practices, has received many consumer complaints against CCCI. CCCI is most commonly reported for engaging in the following unlawful practices:

• Attempting to collect a debt that is not owed by the consumer;
• Attempting to collect more than what is owed;
• Threatening to harm credit if payment is not made; and
• Refusing to validate or provide proof of a debt.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold CCCI accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.