When dealing with debt collectors and representatives, it can sometimes be a grueling task. Not only do they seem to be talking circles around you, half of the things they say don’t really make sense. It seems like they are just trying to spin you around in circles in hopes that you pay the bill. However, if you don’t pay, it seems like you may be in a lot of trouble. So what should you do?

Debt collection agencies such as American Credit and Collections LLC use these tactics and mindsets against you, hoping that you will cough up the money to them whether or not you owe it. So how do you combat this? And is it even legal for them to do these practices? Here is all you need to know about American Credit and Collections LLC, and how to defend yourself against them.

What is American Credit and Collections, LLC?

American Credit and Collections LLC is stated to be a debt collection agency working out of Houston, Texas. They are said to serve the Greater Houston and South Texas areas, and are said to have been doing so for many years.

Is American Credit and Collections, LLC a legit Debt Collection Agency?

Unfortunately, American Credit and Collections LLC is a potentially legit debt collection agency. They have had their Better Business Bureau file opened in 2005, and is said to be run by Ms. Sidney Shapino, who is listed as the General Manager of the agency. They currently are not rated by the BBB, and are not accredited either, as the BBB does not have sufficient information from the company to make a rating.

American Credit and Collections, LLC Contact Information

Address: 1880 S. Dairy Ashford Houston, TX 77077

Other Address: 8700 Commerce Park Dr. Houston, TX 77036-7497

Phone: 1-713-774-3235

Does American Credit and Collections, LLC have Complaints against them?

There are currently no listed complaints against American Credit and Collections LLC.

There is no listed information on American Credit and Collections LLC within the Consumer Financial Protection Bureau’s Consumer Complaint Database. They do not have any registry of an American Credit and Collections LLC.

However, there is also information that states that they go by a different name as well. According to complaints lodged on debtconsolidationcare.com, among their forums, one states that they have been contacted by a American Credit & Collections LLC based out of Philadelphia, PA. They state that they go by AM Mortgage as well, and service the surrounding areas.

This forum board states that they have a history of sending fraudulent phone calls, as well as harassing consumers about debts not owed, or false debts in an attempt to solicit payment.

A search of AM Mortgage yields no results within the CFPB’s CCD.

Are the Practices of American Credit and Collections, LLC Legal?

As listed within the debt consolidation care database, the complaints made show that American Credit and Collections LLC may be using illegal or borderline legal business practices. Constant harassment of consumers, as well as harassing phone calls, are considered improper by the Fair Debt Collection Practices Act’s (FDCPA) standards and laws. Because of this, it is safe to say that some of the practices of American Credit and Collections are not legal.

How can I protect myself and fight back against American Credit and Collections, LLC?

There are many ways that you can protect yourself against the representatives and debt collectors from American Credit and Collections LLC. The first step is to always ask for proper identification of the debt. This can be an original letter stating the debt, an authorization of debt from the original debtor, or a code to access the information online.

Another thing to do is to hire an experienced debt collection harassment attorney or consumer protection lawyer. If you have been harassed, or are being currently harassed by debt collectors from American Credit and Collections LLC, let us at the Law Office of Paul Mankin, APC help you protect yourself and to fight back. We have an experienced team of debt collection harassment lawyers and attorneys that know how to identify debt collection harassment, as well as put a stop to it and report it to the proper authorities.

Not only can we help you to defend against 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 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.