What do you do when you are told that you have a debt that needs to be paid? Or that you have a debt that you didn’t even know you had? Being told and forced to pay a debt that you may not have had a hand in can be extremely terrifying and dangerous, as your finances and livelihood may be hanging in the balance.

Because of this, it is important to know who you are talking to, as well as if they are legitimate and going through the proper channels to collect on the debt. One such company is Allen, Maxwell & Silver, a well-known name based in New Jersey. If you have been contacted by Allen, Maxwell & Silver, here are the details you need to know about this long-running debt collection agency.

What is Allen, Maxwell & Silver?

Allen, Maxwell & Silver are listed as a debt collection agency that works primarily with commercial accounts receivable management solutions. They currently work within the New Jersey area, and offer first party collections, third party collections, litigation services, and affiliated attorneys.

Is Allen, Maxwell & Silver a legit Debt Collection Agency?

Allen, Maxwell & Silver are a legitimate debt collection agency. They have been in business since 1992, with their Better Business Bureau file being opened in 2008. In 2012, they became accredited through the BBB, with 27 years of experience for them at the present.They currently hold an A+ rating with the BBB. However, they currently hold a 1 out of 5 stars average review with 2 customer reviews, as well as 6 customer complaints against them.

Allen, Maxwell & Silver Contact Information

Address: 17-17 Route 208 North, Suite 340, Fair Lawn, New Jersey 07410-2819

Phone Number: 1-201-871-0044

Fax Number: 1-201-871-1197

Website: http://www.amscollections.com

Does Allen, Maxwell & Silver have Complaints against them?

Allen, Maxwell & Silver do currently have a number of complaints made against them.

The BBB reports that there are 6 complaints made against AMS, with all 6 being made within the last 3 years. There were also 2 reviews left with an overall rating of 1 star out of 5 possible.

There are currently no listed or registered complaints within the Consumer Financial Protection Bureau consumer complaint database.

What kind of Complaints have been made?

The BBB lists 4 of the complaints made were with the billing and collections. 2 of the complaints were due to problems with the product or service. In detail, the complaints list that customers and victims have been contacted either about an invalid debt, or a debt that they do not recognize. Many have had trouble getting back in contact with Allen, Maxwell & Silver to get it resolved, which is a poor showing on the debt collection agency representatives.

The reviews both state that the customers were not given properly updated information when attempting to pay a debt. These debts then transferred over towards issues with the payment and billing cycle, forcing the customers to deal with a debt that has already been paid being shown as unpaid. This affected their businesses, and AMS did not even attempt to apologize.

Are the Practices of Allen, Maxwell & Silver Legal?

Although AMS did not seem to go out of their way to contact the customers, the issue lies with the blurring of information transfer. As noted, AMS had issues with information and transferring the debt money to the proper debtors. This can be seen as misinformation and falsified information, in a possible attempt to elicit an extra payment out of the customer. This directly goes against the Fair Debt Collection Practices Act, which strictly prohibits attempts to gain a payment through unscrupulous means, such as falsifying information and misleading customers through unreported situations. But, it is important to note, for the Fair Debt Collection Practices Act to apply, the debt must be a consumer debt, not a business debt.

How can I protect myself and fight back against Allen, Maxwell & Silver?

There are plenty of ways to deal with debt collectors and possible debt collection harassment. The easiest and quickest way to help deal with the harassment is to hire an experienced and knowledgeable debt collection harassment attorney or lawyer that can assist you throughout the entire process.

We here at the Law Office of Paul Mankin, APC have a team of experienced attorneys that can assist and guide you to getting your debt cleared. They not only are able to help identify debt collection harassment and unlawful practices, but they can also help you put a stop to attempts, as well as report the illegal practices to the proper authorities and powers in the government.

Not only can we help you to defend against debt collection harassment, we can also help to build a case under the Fair Debt Collection Practices Act, 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 by 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.  There is no cost to you and there is no obligation.