When it comes to debt collection agencies, getting calls can be the most egregious and time-consuming practice that they can perform. It seems that they never stop, and companies such as American Agencies seem to be calling from every number known. Are they allowed to do this? And who are American Agencies? Here is what you need to know if you have been contacted by American Agencies, and what to expect.

What is American Agencies?

American Agencies is listed as a debt collection agency which serves the Central California and Inland Empire Counties. They are stated to work on helping people get their debts repaid and cleared. American Agencies is headed by Mr. Cori Davis, who is listed as the Principal Contact.

Is American Agencies a legit Debt Collection Agency?

American Agencies are considered to be a legitimate debt collection agency. American Agencies been open since 1969, and have had their file opened in the Better Business Bureau since 1997, putting them at 51 years of business. They also go by the name Advanced Collections Systems, and have no complaints in the BBB database. However, they also have no rating with the BBB, and are not accredited by them either.

American Agencies Contact Information

Address: 2158 W 190th St.

Torrance, CA 90504-6103

Phone Number: 310-212-0400

Other Phone: 800-628-5773

Other Phone: 310-212-0437

Other Phone: 949-362-5960

Other Phone: 714-491-3400

Other Phone: 310-212-0406

Other Phone: 714-774-1971

Does American Agencies have Complaints against them?

There are no complaints against American Agencies within the BBB database. There are no reviews with the BBB either.

There are no complaints listed within the Consumer Financial Protection Bureau's Consumer Complaint Database. A search of their alternative name, Advanced Collection Systems, yields no results either.

Are they completely clean?

Although they have no registered complaints or reviews on the BBB or CFPB's CCD, there are some issues that point towards an illegal operation. Of the many ways to contact American Agencies, they have over 5 phone numbers listed. This is not normal for a collection agency, as they will only have multiple phone numbers if they have multiple locations. However, they have only one listed location.

Because of this, it is safe to assume that the numbers that are registered to American Agencies are numbers that others have found to be their illegal calls. According to the Fair Debt Collection Practices Act (FDCPA), debt collection agencies are not allowed to harass you with calls, or call you excessively and continuously, especially if you have already asked them not to call. The numerous numbers may be an attempt to mask their original calls, so that it seems that different companies are calling each time.

This is wholly illegal. As such, if you are contacted by any of these numbers regularly, it can be seen as a breach of the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA), which means that American Agencies are liable for damages to your mental and physical health.

How can I protect myself and fight back against American Agencies?

If you have been contacted by any of these numbers, understand that you have rights, and the law will be able to keep you safe. There are also a number of different steps you can take to pre-emptively keep yourself safe in situations such as this.

The first step is to ask for verification of the debt. If you are called from any of the numbers listed above, and told that you have a debt owned by American Agencies, ask for verification of the debt in one form or another. This can be done with a written letter, access to an online database, or information about the previous owner of the debt. In all cases, if they are not able to produce verification of the debt, you are not obligated to pay the debt at all.

If they continue past the non-verification, then you may want to start looking into hiring an experienced debt collection harassment attorney. We here at the Law Office of Paul Mankin, APC take great pride in ourselves and our experience when it comes to helping people such as yourselves win against these debt collection agencies. We are able to help you identify debt collection harassment, as well as put a stop to it, and report the harassment to the proper authorities.

Not only can we help you to defend against 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:

• 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.