What is the most nerve-wracking experience one can deal with when it comes to money? Is it overspending? Is it finding out you won't make it until the next payday?
Out of all the things that can happen, being found to have a debt is high on that priority list. However, getting informed that you must pay or face abusive repercussions is by far much more nerve-wracking than the others. However, this is reality. For debt collection agencies such as American Collection Services, this is what they do every day. So, should you pay, or should you not? We'll let you know what you need to do in order to protect yourself against such debt collection agencies and their ensuing harassment.
What is American Collection Services?
American Collection Services, or American Collection Services, Inc. is listed as a debt collection agency based primarily out of Central Oklahoma. They are headed by Louis Littlejohn, who is listed as an Associate on the Better Business Bureau database.
Is American Collection Services a legit Debt Collection Agency?
American Collection Services is a legitimate debt collection agency. Having been open since 2005, they have been in business for 14 years and counting. They are not accredited by the BBB but do hold an A+ rating on the BBB website. However, they have had a recent 1-star review, so they sit at 1 out of 5 stars on the BBB website as well.
American Collection Services Contact Information
Address: 3100 SW 59th St Ste A Oklahoma City, OK 73119-6416
Phone Number: 1-405-681-2332
Other Phone: 1-800-657-7318
Does American Collection Services have Complaints against it?
American Collection Services does have complaints lodged against it. On the BBB website, they have had 4 complaints within the last 3 years, with 3 of those complaints made in the last 12 months. They also have 1 rating at a 1 star, which is drastically low.
American Collection Services also have complaints lodged against it on the Consumer Financial Protection Bureau's Consumer Complaint Database. It has 38 registered complaints against them, with many more tailored to other areas of work.
What kind of Complaints have been made?
The primary complaints on the BBB database point towards issues with billing/collections, as well as an issue with the product or service provided by American Collection Services. These complaints state that the representatives that were calling on behalf on American Collection Services were quite rude to the consumers. Not only that, they used abusive and aggressive behaviors to try to coerce payments on debts that were not verified right away.
On the CFPB's CCD, of the 37 complaints, 32 were made due to debt collection issues. 5 of the complaints lists that credit reporting, credit repair services, or other consumer reports were mishandled, causing the debt to explode in amounts. The last complaint listed is due to consumer loans going wrong.
Are the Practices of American Collection Services Legal?
The practices stated within the complaints and reviews mention abusive, excessive, and blatant harassment from representatives of the American Collection Services agency. Not only that, the excessive calls and robocalls are an abuse of practice, which are completely against the Fair Debt Collection Practices Act's (FDCPA) guidelines and regulations.
How can I protect myself and fight back against American Collection Services?
If you or a loved one have been contacted by the American Collection Services, make sure to defend yourself. You can do this by verifying the debt or asking for a letter of authorization. This can be done simply if the debt collection agency has proper identification and paperwork related with the debt, such as where it came from, and who it came from.
If they cannot do such a thing, and still wish to pursue your payment, hire an experienced and well-versed debt collection harassment attorney or consumer lawyer. We here at the Law Office of Paul Mankin, APC have a team of strong lawyers and attorneys that have done plenty of work for people who have been harassed and improperly treated by debt collectors. We have worked to identify harassment from debt collectors, as well as put a stop to the harassment.
Not only can we help you to defend against 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.