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Is the debt collection agency American Education Services harassing you?

There are many names within the debt collection business. From credit card debt collectors, to general debt collection agencies, there is no end to the harassment and abuse many people suffer from at the hands of such people.

American Education Services is one such company that works to try and collect on certain debts. However, there is a chance they may be doing a bit more in excess. So, are American Education Services a legitimate company? Here is what you need to know about American Education Services if you have been contacted by their representative.

What is American Education Services?

American Education Services is listed as a financial service that serves Detroit and Eastern Michigan. They have been around for quite some time, and are said to help both customers and businesses get the financial help they deserve.

Is American Education Services a legit Debt Collection Agency?

It is difficult to tell if they are a legitimate service or not. Although they have a listed registry on the Better Business Bureau website, much of their information seems outdated. They are said to be in business since 1997, with 22 years of business under their belts. However, they hold a B+ Rating with the BBB, as well as a 1 out of 5 star rating from 1 customer review.

American Education Services Contact Information

Address: PO Box 159 Farmington, MI 48332-0159

Website: http://www.american-credit.org

Phone Number: 1-248-848-9065

Fax Number: 1-734-943-5997

It is as noted that the website listed above is no longer in service.

Does American Education Services have Complaints against them?

They have quite a few complaints lodged against them. They have 1 customer review on the BBB that rates them at 1 out of 5 stars. They also have 11 complaints lodged against them on the BBB database within the last 3 years, with 4 of those complaints being made within the last 12 months.

There is no listed company under the name American Education Services within the Consumer Financial Protection Bureau's Consumer Complaint Database.

What kind of Complaints have been made?

Many of the complaints lodged against the company show that they had poor customer representation. Not only that, of the 11 complaints made against the company, 9 were due to the service being provided being faulty. Many state that the company failed to deliver on their promises of helping customers reach financial stability, and never gave them any responses back after putting money into the accounts of American Education Services.

One other complaint also states that they had attempted to pay off their remaining balance with the company many times. However, each time they attempted to get in contact with the company, they ended up getting no response, which then resulted in the bills for the company going up even further, and late fees being incurred.

Are the Practices of American Education Services Legal?

Absolutely not. Assuming the above complaints are true, American Education Services seem to be misrepresenting what consumers actually owe and collecting improper amounts of money. With the complaints listed, and debts being “owed” to the company, it is safe to say that the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA) laws have been broken by the American Education Services collection agency.

How can I protect myself and fight back against American Education Services?

If you have been contacted by American Education Services, know that there are things you can do to protect yourself. If you have been contacted about a debt, and are unsure of where it came from, ask for authorization and proof of the debt. If the company cannot provide you this information, you are under no obligation to pay it.

Next, is record all information and conversations with them. All emails, phone calls, letters, and texts should be kept on record in case they attempt to bluff their way through a trial using misinformation and blatantly obvious abuse tactics.

Lastly, you can hire an experienced and knowledgeable debt collection harassment attorney or consumer protection lawyer to help assist you through the process. We here at the Law Office of Paul Mankin, APC have seen many cases go by against debt collection agencies such as these that use underhanded tactics to force you to pay. As such, we are able to identify debt collector harassment, as well as put a stop to it quickly and efficiently. Not only that, we can help you report such harassment to the proper authorities, and take them to court for breaking the law.

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.

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