Dealing with debt collectors can be a scary task. The harassment that you may encounter daily from a debt collector can harm you both physically, mentally, and financially. Because of this, it is important to understand what debt collector harassment is, and when it has occurred to you. Even if they may or may not be a legitimate company, such as Advantage Financial Credit Service, that does not mean they are using legal practices.

What is Advantage Financial Credit Service?

Advantage Financial Credit Service is said to be a credit reporting agency outside of Ontario, Oregon. This is based on their Facebook page. Through the Better Business Bureau, they are listed as Advantage Financial Services Credit Services, and are listed as financial planning consultants.

Is Advantage Financial Credit Service a legit Debt Collection Agency?

Advantage Financial Credit Service is not listed as a primary debt collection agency. However, their facebook page does list them as a collection agency, along with credit counseling services. Their Better Business Bureau file was opened in 2016. However, the only activity seen from them on their business page on Facebook dates back to 2014, with only 4 reviews at that time. They currently hold an A+ rating with the BBB. However, they are not accredited, and have no reviews or complaints made for them on the BBB website.

Advantage Financial Credit Service Contact Information

Address: 972 W Idaho Ave PMB 7, Ontario, OR 97914

Of note, the address on the BBB does match the facebook address.

Fax Number: 1(541)-889-5060

Of note, the fax number on BBB is also listed as the phone number for the Facebook page.

Website: www.afcsi.org

Of note, the website listed on both the BBB and Facebook page is currently an unregistered domain. This means that it is not under their control, and the business may be closed.

Does Advantage Financial Credit Service have Complaints against them?

Advantage Financial Credit Service currently has no complaints against them through the Better Business Bureau.

Advantage Financial Credit Service currently has no complaints listed against them through the Consumer Financial Protection Bureau.

Does this mean I can trust them?

Just because there are no registered complaints against Advantage Financial Credit Service, does not mean that any call from them is automatically authentic and correct. There are plenty of debt collection harassment techniques that utilize a real-sounding name without having any physical evidence or proof.

The primary issue is the notice that, not only are the phone number and website offline in a sense, they have had no activity on their facebook page within the last few years. Although this is not the most credible source for if a business is still operating, it does mean that they may have shut down, or have had some issues and are no longer in service.

Are the Practices of Advantage Financial Credit Service Legal?

If you have been contacted by Advantage Financial Credit Service, understand there is a large percentage chance that whoever is calling is not a registered debt collector. If you are contacted, understand you do not have to immediately comply with their demands. The FDCPA protects those that are illegally harassed and extorted through improper means and practices. If you feel like you have been targeted or harassed, understand that the law is on your side.

How can I protect myself and fight back against Advantage Financial Credit Service?

If you have been harassed by Advantage Financial Credit Service, or feel that you have been harassed, there are a number of ways to deal with the situation. First is to verify the information. If you have been contacted, and they state they are attempting to collect on a debt under your name, feel free to ask for verification. This can be through letters, emails, or over the phone information. Any and all ways to verify the authenticity of the debt is well within your right to ask.

Another way to protect yourself and fight back is to hire an experienced and well-versed debt collector harassment lawyer that will be able to help you. Here at the Law Office of Paul Mankin, APC, we have plenty of collection harassment lawyers and attorneys that can help to get you on the right path to fighting back against debt collection harassment.

Our attorneys are able to help you understand how long debt collectors are able to harass you for, as well as how to stop their harassment, and how to report their debt collection practices if they are illegal. They can assist you in understanding what is considered to be harassed by a debt collector, as well as help build a case against the debt collectors to help you get compensation in the case of illegal activities.

Remember, there is always a way to fight back. So don’t wait. If you feel you have been a victim of:

• Robocalls
• Harassment by Debt collectors
• Abusive or threatening language from debt collectors
• Threatening letters
• Improper or misinformation with regards to debts

Then you may have a case that can get you compensation for the harassment. Give us a call now, and start the fight back.