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Is the debt collection agency Amerifinancial Solutions, LLC harassing you?

There are some debt collection agencies that deal with general collections. However, some specialize in certain areas, such as specifically collecting on physician/medical debts or business debts. These agencies pride themselves on being a cut above the rest, but still tend to employ the same underhanded techniques that are borderline illegal.  So here is what you need to know about Amerifinancial solutions LLC, and how to stop Amerifinancial Solutions, LLC from harassing you.

What is Amerifinancial Solutions, LLC?

AmeriFinancial Solutions LLC is listed as a collections agency based out of Maryland. They serve the Greater Maryland area, and is a collection agency and consumer finance company. They are headed by Elizabeth A. Miller, who is said to be the president of Amerifinancial Solutions, as she presides over 20 other employees.

Is Amerifinancial Solutions, LLC a legit Debt Collection Agency?

Amerifinancial Solutions LLC is considered to be a legitimate debt collection agency. Having started in 2007, their Better Business Bureau file was opened within a month of their creation. They are not accredited by the BBB, however, and hold a 1.2 star rating out of 5 with the BBB database, as well as a B rating.

Amerifinancial Solutions, LLC Contact Information

Alternate Names: AFS, LFM Enterprises LLC

Address: PO Box 65018 Baltimore, MD 21264-5018

Other: PO Box 602570 Charlotte, NC 28260-2570

Fax Number: 1-443-753-6097

Other: 1-410-472-3600

Phone Number: 1-800-945-7184

Other: 1-800-753-7106

Other: 1-800-753-7100

Website: http://www.payamerifinancial.com

Other: https://www.payafs.com/

Does Amerifinancial Solutions, LLC have Complaints against them?

Amerifinancial Solutions, LLC has quite a few debt collection harassment complaints against them. Through the BBB database, they have over 110 complaints lodged against them within the last 3 years, with 57 of those complaints being closed within the last 12 months. They also have 18 customer reviews, with over 90% of those reviews being 1 star reviews.

There is no listing of Amerifinancial Solutions LLC within the Consumer Financial Protection Bureau's Consumer Complaint Database. There are also no registered complaints within their database under the names AFS or LFM Enterprises LLC.

What kind of Complaints have been made?

The complaints lodged against Amerifinancial Solutions LLC are primarily dealing with the issue of billing and collections. Specifically, they state that many of the consumers state that they did not create this bill at all. As such, Amerifinancial Solutions LLC was attempting to collect on debts that were not the consumer's to begin with.

Another issue that the complaints bring up is the abusive language and threatening actions of the representatives of Amerifinancial Solutions LLC. Many complaints state that they were threatened directly with bodily harm, as well as threats made to their family and friends.

Are the Practices of Amerifinancial Solutions, LLC Legal?

If true, these practices are absolutely not legal. The act of threatening a consumer with bodily harm goes directly against the Fair Debt Collection Practices Act (FDCPA). The Fair Debt Collections Practices Act specifically states that a debt collector may not use harassing or verbally abusive language in an attempt to collect on a debt. The laws also state that they may not use misinformation to try to confuse and manipulate consumers into paying the debt off.

Both of these laws were broken by Amerifinancial Solutions LLC. As such, it is considered illegal harassment, and is punishable by law.

How can I protect myself and fight back against Amerifinancial Solutions, LLC?

If you or someone you love has been harassed by Amerifinancial Solutions LLC, then you may be under pressure by them right now. If so, then you need to know how to protect yourself against their harassment and threatening acts.

The first thing you should do if you are being harassed by them is to ask for verification of the debt. As they have a history of using misinformation and improper personal information in attempts to make you pay on debts, asking for verification of the debt will stop them in their tracks. Verification can come in many forms, such as a written letter with the debt information. It can also be done by giving you information to get in contact with the original debt holder.

You should also contact a collection harassment attorney or consumer rights lawyer.  The Law Office of Paul Mankin, APC focuses on stopping debt collection harassment.  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 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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