With such a beautiful name such as Aspen National Financial, you wouldn't think that they would be a cold-hearted debt collection agency that would be trying to get every single dollar out of your wallet. However, that is just the case. Aspen National Financial is just one debt collection agency that works to try to collect on debts that may or may not be yours, hoping to make just a quick buck. So, are they legitimate? Or is Aspen National Financial a scam that you should be careful of? Here are the facts that you need to know if you have been contacted by them, and how to protect yourself.
What is Aspen National Financial?
Aspen National Collections is known as a collections agency that deals primarily with general debts and overdue debts. They are headed by John Brewer, who is listed as the president of the company. They reside out of Colorado, and serve the New Mexico and Southwest Colorado area.
Is Aspen National Financial a legit Debt Collection Agency?
Aspen National Financial should be considered a legitimate debt collection agency. They were opened in early 2000, and their Better Business Bureau file was opened late 2000. They became accredited later that same year as well. They go by Aspen National Financial Inc. as well, so it is wise to distinguish these names. They currently have an A+ rating with the BBB.
Aspen National Financial Contact Information
Address: 827 Rood Ave Grand Junction, CO 81501-3433
Phone Number: 1-970-263-7320
Other Phone: 1-800-283-2797
Other Phone: 1-800-981-9420
Fax Number: 1-970-263-7309
Does Aspen National Financial have Complaints against them?
Aspen National Financial has a few complaints made against their company. Through the BBB database, there is one registered complaint made against them in 2019.
Through the Consumer Financial Protection Bureau's Consumer Complaint Database, there are 89 complaints tied with Aspen national Financial.
What kind of Complaints have been made?
Of the 90 complaints made between the BBB database and the CFPB's CCD, 87 deal with debt collection issues and complications, while 3 of them deal with mortgaging problems and credit reporting issues from Aspen national Financial.
Many state that Aspen National Financial used harassing language, and threatened legal action when consumers would not pay up. They also disregarded consumer requests for them to stop calling, and directly broke the Fair Debt Collection Practices Act's (FDCPA) guidelines and laws.
PACER also has a case on file from 2012, when Aspen National Financial Inc. attempted to contact a New York resident about a $313 debt. This resident, Gail Lockhart, stated later that the debt collection harassment extended towards her work and home and family, with the representatives apparently calling up to 3 times a day despite Ms. Lockhart's request for them to stop.
Because of this, Gail Lockhart took them to court over FDCPA violations which included:
- Excessive calls despite requests to stop
- Calling her workplace
- Using abusive and threatening language in order to elicit payment
- Threatening legal repercussions
Are the Practices of Aspen National Financial Legal?
If true, these practices by Aspen National Financial are not legal by any means. With regard to the complaints made against them through the CFPB's CCD, it is painfully obvious that they use illegal and harassing techniques in an attempt to get a payment.
The Fair Debt Collection Practices Act explicitly states that debt collection representatives and agents are not allowed to enact harassing and threatening practices, and if they do, they can be punishable by law. As such, it is safe to say that their actions are illegal in every single sense.
How can I protect myself and fight back against Aspen National Financial?
If you or a loved one have been contacted by Aspen National Financial, then you need to know that there are ways to protect yourselves against their harassment and excessive calls. The first thing to do is to confront them. If you are contacted about a debt, make sure to verify the debt. This can be done by asking where the debt originally came from, and getting in contact with the original debt holder. You can also ask for verification of authenticity of the representative, calling the debt collection agency to see if the representative is even on their record as a representative.
The next thing to do is to ask them to stop calling you. By law, they must, even if you do not pay the debt. If they continue to harass and threaten you, it is best to hire an experienced debt collection harassment attorney or lawyer to help you during their harassment. We here at Law Office of Paul Mankin, APC have a strong team of experienced debt collection harassment attorneys that have dealt with debt collectors like this. We are able to assist you in identifying and stopping the harassment that they bring.
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.