What is Anderson and Associates Credit Services, LLC?
Anderson and Associates Credit Services, LLC was founded and incorporated in Oregon in 2004 and conducts business under at least one other name, “Anderson Collection Agency.” The debt collector is operated under its managing member, Mr. James Thomas, and performs debt collection services for consumer account holders commercial account holders, medical and dental providers, property managers, evictions, foreign money award holders, and general debt holders.
Is Anderson and Associates Credit Services, LLC a legit Debt Collection Agency?
Yes, Anderson and Associates Credit Services, LLC is a legitimate debt collector. They have been recognized by the Better Business Bureau (BBB) since 2007 and maintain an A+ BBB rating. The debt collector is not BBB-accredited but has claimed its BBB business listing and is active in responding to consumer complaints.
Anderson and Associates Credit Services, LLC Contact Information:
12971 SW Pacific Highway
Tigard, OR 97223
(503) 293-5400 (phone)
(503) 813-2159 (fax)
What kind of complaints does Anderson and Associates Credit Services, LLC have against them?
The complaints against Anderson and Associates are fairly standard and relatively few. Notably, one client of Anderson's has made a public complaint that the majority of their accounts were not adequately collected on, but the collector has so far evaded receiving any negative consumer reviews. On other forums, consumers have posted complaints that Anderson and Associates have threatened to take legal action if the debtor did not immediately pay up, as well as complaints that Anderson called repeatedly in a harassing manner. If Anderson and Associates Credit Services, LLC routinely threatens consumers with litigation without the ability to initiate litigation and/or without the intent to file a lawsuit, these threats would violate the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA).
Are Anderson and Associates Credit Services, LLC's Practices Legal?
The Fair Debt Collection Practices Act (FDCPA) is a set of federal laws that provide protection for consumers against debt collection harassment or other abusive practices. Many of the complaints against Anderson and Associates constitute activity that is potentially unlawful and punishable under both the FDCPA and state consumer protection laws. Namely, it is unlawful under certain circumstances for a debt collector to threaten legal action if an alleged debtor does not pay on demand, and the recipient of such treatment could be entitled to recover damages.
How can I defend myself against a debt collector like Anderson and Associates Credit Services, LLC?
Complaints regarding a debt collector in any state may be filed with the Federal Trade Commission at www.ftc.gov or (877) FTC-HELP (877-382-4357), and complaints regarding any collector or other business can be made at BBB complaints. Complaints regarding Oregon-based collectors can be made by submitting a Consumer Complaint Form or by calling 1-877-877-9392. To learn more about how the federal government regulates debt collection and protects debtors and other individuals from collector harassment, see FTC Debt Collection pamphlet. If you believe you have a claim for collection harassment or are a victim of another violation of state or federal debtor's rights, you should speak with a consumer rights lawyer or debt collection harassment attorney immediately. Contact us today to discuss your matter and see how we can help at no cost to you.