by Paul MankinLaw 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
by Paul MankinIs 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 MankinIs 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 MankinIs 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
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 MankinIs 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 MankinIs 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.
by Paul MankinIs the collection agency Action Collection Service, Inc. (MT) harassing you?
Action Collection Service, Inc. (MT)
Action Collection Service, Inc. was originally founded in Bozeman, Montana on April 1, 1994 by its owner, Dave Anderson. Action was later incorporated in the same state on September 9, 2009 and currently operates under Mr. Anderson as a corporate entity. Action Collection Service, Inc. is a general debt collector that performs collections services for retailers, utilities, landlords, property managers, dentists, clinics, physicians, veterinary, bad checks, attorneys, CPAs, banks, credit unions, cities, counties, schools, and others. They have an operating website and claim to provide 24/7 account access for clients (though apparently not for debtors).
Business address:
1105 Reeves Road Ste 6B
Bozeman, MT 59718-7725
Alternative mailing address:
PO Box 10905
Bozeman, MT 59719
Client/Business email: [email protected]
(406) 586-7744 (phone)
(800) 331-0722 (toll free)
Action Collection Service, Inc has an A+ rating from the Better Business Bureau (BBB) but is not BBB-accredited. Action’s BBB file was opened on January 7, 2015 and currently has a 1-star review average with no official BBB complaints. Action does, however, have one CFPB complaint on file. Montana’s Action Collection Service, Inc. is listed on Yelp but has not yet been reviewed.
While the Montana collector does not appear to have been involved in any major legal disputes, the complaints against it are pretty typical of consumers at the wrong end of the collections business. Namely, consumer complain that Action makes deceptive phone calls and leaves misleading or outright deceptive information in voice messages, and they have a habit of attempting to collect an amount other than what is actually owed.
The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect personal debts, including credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts. Under the FDCPA, debt collectors are, generally, allowed to call, send letters, send emails, or even send text messages to collect on debts, but they are not allowed to bother consumers at inconvenient times without the debtor’s permission or at locations such as a debtor’s place of employment unless personal calls are permitted by the employer.
Action Collection Service’s collection practices, as reported by consumers, may very well be unlawful under state and/or federal law. Consumer complaints regarding Montana collections agencies are handled by the Montana Office of Consumer Protection (OCP). 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 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 24 hours per day.
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.
by Paul MankinIs the debt collection agency Adler Wallach & Associates, Inc. harassing you?
Adler, Wallach & Associates, Inc. was established in Southern California on August 24, 1993. It is managed by its President, Mr. Allan Adler, and its Vice President of Operations, Ms. Marian Mapes. Adler offers a range of debt collection services, including pre-collections service, third party collections, bankruptcy filing & monitoring, secondary placements, mailing and invoicing programs, litigation filing, and judgment execution, credit reports, asset investigations, and Skip Tracing.
1045 W Katella Ave #230
Orange, CA 92867
(888) 771-3690 (phone)
(714) 771-5453 (alt. phone)
(888) 771-3690 (toll free)
(714) 639-3123 (fax)
A Better Business Bureau (BBB) file for one of Adler, Wallach, & Associates, Inc.’s alias companies, A W A Collections, shows an ‘F’ rating and 60 consumer complaints. The collector also has an astounding 373 CFPB complaints. Negative consumer reviews primarily include: no notice of collections before credit report ding; attempting to collect debt not owed (debt was paid or didn’t belong to person being called); no providing enough information to verify debt; not providing notice of right to dispute; taking or threatening to take negative or legal action; threatening or suggesting the debtor’s credit would be damaged; attempting to collect wrong amount; failing to disclose communication was an attempt to collect a debt.
Unsurprisingly, the debt collector has earned itself an extensive litigation history. Notably, Adler Wallach & Associates, Inc. was sued in Florida for collections actions taken in 2011, including misrepresenting the character, amount, or legal status of the debt; failing to send a debt validation letter; using false, deceptive, and misleading means to collect a debt.
It is against Fair Debt Collection Practices Act to engage in certain harassing 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.
More information regarding complaints regarding California-based collectors can be found at https://oag.ca.gov/consumers/general/debt-collectors. 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 collection harassment or are a victim of another violation of the Fair Debt Collection Practices Act or Rosenthal California Fair Debt Collection Practices Act, you should speak with a consumer rights attorney or debt collection harassment attorney immediately. Contact us today to discuss your matter and see how we can help at no cost to you.
by Paul MankinIs the debt collection agency Anson Street, LLC harassing you?
What is Anson Street, LLC?
Anson Street LLC was registered as a Foreign Limited-Liability Company in the State of Nevada in 2007 and is approximately thirteen years old. Anson Street’s alias companies, “Resurgent Capital Services LP,” “Resurgent Holdings, LLC,” and “Credit Originations LLC,” were established in or around 1998. Under its manager and CEO, Mr. Bryan Keith Faliero, the debt collection agency is a manager and servicer of domestic and international consumer debt portfolios for credit grantors and debt buyers.
Is Anson Street, LLC a legit Debt Collection Agency?
Yes, Anson Street, LLC is a legitimate debt collector, though it primarily conducts collection activities under the alias “Resurgent Capital Services LP.” They have been recognized by the Better Business Bureau (BBB) since 2000, have been BBB-accredited since September 8, 2017, and maintain an A+ BBB rating.
Anson Street, LLC Contact Information:
55 Beattie Pl
Greenville, SC 29601
200 Meeting St
Charleston, SC 29401
625 Pilot Rd
Las Vegas, NV 89119
(864) 248-8700 (phone)
(866) 467-0163 (fax)
(888) 665-0374 (alt. phone)
(864) 248-0374 (alt. phone)
What kind of complaints does Anson Street, LLC have against them?
Anson Street, LLC has 127 BBB customer complaints and 5,305 Consumer Finance Protection Bureau (CFPB) complaints. Many of the complaints against Anson Street center on harassing behaviors, including using abusive language, swearing, threatening physical or legal harm, and calling from multiple different numbers to avoid call blocking. If these allegations are true, many would qualify as Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act violations.
Are Anson Street, LLC’s Practices Legal?
It is against the Fair Debt Collection Practices Act 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 collection harassment, and you have the right to be free of this behavior.
How can I defend myself against a debt collector like Anson Street, LLC?
Complaints regarding a collector in any state may be filed with the Federal Trade Commission at www.ftc.gov or (877) FTC-HELP (877-382-4357), and complaints regarding any collector or other business can be made at BBB complaints. Complaints regarding South Carolina-based collectors can be made at https://consumer.sc.gov/consumer-resources/consumer-complaints. For information on Nevada consumer issues, call the Bureau of Consumer Protection Hotline at (702) 486-3132 or toll-free at (888) 434-9989.
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.
by Paul MankinWhat Is The Equal Credit Opportunity Act?
The Equal Credit Opportunity Act (ECOA) is a Federal law (15 U.S.C. § 1691 et seq.) enacted in 1974 to protect potential borrowers from discrimination by creditors during all stages of the credit application process and in connection with all aspects of credit transactions. The ECOA specially protects against discrimination on three categorical bases:
(1) an applicant’s race, color, religion, national origin, sex, marital status, or age (provided the applicant is at least 18 years of age and otherwise has the legal capacity to contract);
(2) the fact that all or part of an applicant’s income derives from a public assistance program; and
(3) an applicant’s good faith exercise of any right under the Consumer Credit Protection Act.
Requirements and prohibitions under the ECOA apply across the board to any person or business that regularly makes credit-lending decisions in the ordinary course of business, including, but not limited to, banks, finance companies, credit unions, bankcard businesses, and even retailers.
The protections afforded under Section (b)—known as “Regulation B”—of the ECOA are enforced by civil liability that may result in actual and/or punitive damages. In an individual action, a financial institution or other credit lender may be subject to as much as $10,000, and its liability in a class action law suit can arise to $500,000 or one-percent of the creditor’s net worth, whichever is less.
The intent of the ECOA is supported by its clearly defined prohibitions and requirements. The primary creditor restrictions under the ECOA include:
- Discrimination based on race, sex, age, national origin, or marital status.
- Discrimination based on an applicant’s use of public assistance.
- Requesting information regarding an applicant’s marital status if a candidate is applying for separate, unsecured credit, unless the applicant resides in a community property state or where the applicant is applying for joint credit (credit shared by a married couple) or credit that is secured with real property.
- Asking about the applicant’s plans to have, or to continue having, children.
- Disallowing regular sources of income, including reliable and predictable income from veteran’s benefits, welfare payments, Social Security payments, alimony, child support, and other comparable sources.
- Refusing to consider or otherwise discounting any income earned from a part-time job, pension, annuity, or a retirement benefits program.
Under the ECOA, creditors are required, with few exceptions, to respond to an applicant within 30 days of receiving a completed application for credit. The response must include notice of the action taken in response to the application, either in writing or orally, depending on the content of the notice.
In responding to an application where the creditor is denying credit to the applicant altogether or approving credit for an amount or on terms that differ from what the applicant requested, a creditor is also required to provide, or enable access to, the specific reason(s) for denying the requested credit to that applicant.
The ECOA mandates similar notice for other types of adverse action taken on a borrower’s account, including when the creditor closes an account, declines a request to increase a line of credit, makes a change to the terms of credit that negatively impacts a single account holder, or refuses to give comparable terms of credit to that originally requested by application.