Dealing with debt collectors can be extremely difficult. You may not know if the one that is calling is legitimate, or if you are possibly being scammed. This can be true for anyone, even well established names such as Alacrity Collections. If you have been contacted by Alacrity Collections, here is what you need to know about their debt collection agency.
What is Alacrity Collections?
Alacrity Collections is stated to be located in Maryland, and has been in business for 37 years. They are listed as a collections agency, and cater primarily towards healthcare debts, business to business debts, and consumer debts. They claim that their debt recovery average is twice the national average. They are headed by Susan Hayes, who is listed as the President, and are said to have approximately 12 employees.
Is Alacrity Collections a legit Debt Collection Agency?
Alacrity Collections is considered to be a legitimate debt collection agency. They have been in business for 37 years, and have a Better Business Bureau rating of A+. However, the ratings on the BBB website do not take into account customer reviews.
Alacrity Collections Contact Information
Address: 175 Admiral Cochrane Dr STE 202 Annapolis, MD 21401-7316
Other Address: PO Box 586 Riva, MD 21140-0586
Other Address: 900 Bestgate Rd # 407 Riva, MD 21401-7964
Fax Number: 1-410-573-9667
Phone Number: 1-800-752-9663
Other Phone: 1-410-721-2744
Does Alacrity Collections have Complaints against them?
Alacrity Collections currently has no complaints lodged against them through the BBB website.
There are four complaints lodged against Alacrity Collections through the Consumer Financial Protection Bureau’s Consumer Complaint Database based on violations of the Fair Debt Collection Practices Act.
What kind of Complaints have been made?
Of the four complaints lodged against Alacrity Collections, all four were listed as dealing with debt collection harassment. Two were listed as attempts to collect on an already paid debt. Another was listed as attempts to collect on a debt that is not the victim’s, and another complaint cites too little information to verify the debt in question.
Each of the complaints also state that Alacrity Collections attempted verbal and physical harassment. Through debt collector harassment like constant and aggressive phone calls, as well as attempting to collect on debts that may not be owned by the victim, Alacrity Collections attempts to extort a payment from whomever they may contact. Although this may be effective, this is highly illegal and improper under the Fair Debt Collection Practices Act.
Are the Practices of Alacrity Collections Legal?
Of the complaints made against Alacrity Collections, many are illegal in nature. In the complaints, it was made that Alacrity Collections attempted to collect on an already paid debt through aggressive and abusive phone calls and messages even when asked to stop. This goes against the FDCPA laws and regulations. The FDCPA states that no debt collector may use aggressive or negative tactics in an attempt to collect on a debt. They must also cease the calls and messages if you request that they stop.
How can I protect myself and fight back against Alacrity Collections?
If you or someone you know has been contacted by Alacrity Collections, it is important that you know how to defend yourself, and how to fight back against their practices. Although a debt collection agency is allowed to contact you through phone and emails, if you request a cease and desist, they must comply with your wishes. As such, make sure to state firmly that you wish for them to stop, even if they threaten to use physical harm, or attempt to threaten your well-being.
You may also look to verify the debt. This can be done by requesting a verification letter, or requesting key information that will help you link the debt. This can be items such as asking who the debt is for, as well as where the debt came from.
Another priority point that you can look towards is to hire a knowledgeable and experienced debt collection harassment attorney. Having the right debt collection harassment attorney by your side can mean the difference between understanding when a scam is going on, and when the creditor harassment is occurring. We here at the Law Office of Paul Mankin, APC have a team of experienced and knowledgeable debt collection harassment attorneys and lawyers that would be able to assist you in your case of getting the debt remedied.
Not only can we help you to defend against the debt collection harassment, we can also help to build a case, and assist you in understanding where the illegal collection patterns are for debt collectors. We are also able to help facilitate any communications or discussions between the parties, ensuring that nothing you say can be used against you.
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 Fair Debt Collection Practices Act violations such as these:
- 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.