The Law Office of Paul Mankin

Is the debt collection agency American Debt Services, LLC harassing you?

Debt collection agencies can be a fearsome foe to go up against. Not many know how they function, and any talk of a debt collector brings up images of men in dark suits coming for you with baseball bats.

However, debt collectors in this day and age use far more disgusting tactics. Including harassing phone calls and robocalls, a debt collection agency such as American Debt Services, LLC may attempt to misinform and misguide you in an attempt to get you to pay up, even if the debt is not your own. So how do you defend yourself? Here are the things you need to know if you have been contacted by the debt collection agency American Debt Services LLC, and are facing their wrath.

What is American Debt Services, LLC?

American Debt Services LLC is a debt collections agency based in Minnesota. They work with the Minnesota region, as well as parts of North Dakota, and is run by Esther Berman, who is listed as their legal manager. They go by the alternate name American Debt Service, LLC as well.

Is American Debt Services, LLC a legit Debt Collection Agency?

American Debt Services, LLC is considered to be a legitimate debt collection company. They have been in business since 2007, and had their Better Business Bureau file opened in 2009. Since then, they hold a BBB rating of A+. However, they have no customer reviews or complaints listed under their BBB file.

American Debt Services, LLC Contact Information

Address: 5151 Edina Industrial Bl #520 Minneapolis, MN 55439-3050

Other Address: PO Box 390306 Minneapolis, MN 55439-0306


Phone Number: 1-952-905-3300

Other Phone: 1-952-905-3333

Other Phone: 1-800-698-2175

Alternate Business Names: American Debt Service LLC

Does American Debt Services, LLC have Complaints against them?

American Debt Services LLC currently have no listed complaints against them on the BBB database.

They do have 4 complaints against them in the Consumer Financial Protection Bureau’s Consumer Complaint Database.

What kind of Complaints have been made?

The complaints made on the CFPB’s CCD all pertain to debt collection issues. The main complaint listed of them all is that the consumers were not given the right to dispute notice ahead of time.

The right to dispute a debt is labeled clearly in most cases. As such, not being given this notice means that the American Debt Services LLC was attempting to use misinformation and lack of communication in an attempt to bottleneck and swindle consumers out of their money.

Are the Practices of American Debt Services, LLC Legal?

The actions taken by American Debt Services LLC in the above complaints are wholly illegal and improper. According to the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA), consumers, such as yourself, are allowed to have rights and safeguards against debt collection harassment and abuse. In the above, the abuse came from a representative of American Debt Services, LLC not informing consumers about their rights, and as such, attempting to sabotage their chances of getting verification of the debt. This directly goes against the Fair Debt Collection Protection Act’s laws and guidelines, which means that American Debt Services LLC are practicing illegal debt collection tactics that violate the FDCPA and RFDCPA.

How can I protect myself and fight back against American Debt Services, LLC?

Of the many debt collection agencies that are currently open, it may seem impossible to do anything against them. However, the FDCPA affords you plenty of options when it comes to defending yourself.

The first step is to verify the debt. Verification can come in many shapes. The easiest is to ask the debt collection agency to send you a letter or email verifying the debt’s original owner, as well as verification information linking you to the debt. This includes names, addresses, and other such personal information. If the debt collection agency is unable to do so, then you are under no obligation to pay the debt at that moment.

If the debt collection agency continues to harass you, then it may be time to hire an experienced debt collection harassment attorney or consumer protection lawyer. We here at the Law Office of Paul Mankin, APC have been hard at work defending consumers such as yourself against such tyrannical abuse. We have an experienced team of debt collection harassment attorneys that can help identify debt collection harassment against you, as well as put a stop to it quickly.

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.