The Law Office of Paul Mankin

Is TRAF Group Harassing You?

TRAF Group:

TRAF Group is a debt collection agency located in Trenton, New Jersey. The company also operates under the names A-1 Collection Service, American Trading, and Credit America. TRAF Group is incorporated in New Jersey and has been doing business since 1964.

Contact Information

2297 Highway 33 Ste 906

Trenton, NJ 08690-1717

(609) 771-9200

Since 2016, a total of 16 complaints have been filed against TRAF Group with the Better Business Bureau (“BBB”). The Consumer Financial Protection Bureau, a federal agency that protects consumers from unfair, deceptive and fraudulent business practices has received 87 complaints against the company since 2013. Violations of the Fair Debt Collection Practices Act (“FDCPA”) alleged in these complaints include the company: 

  • Refusing to provide consumers with the name and address of the original creditor
  • Failing to send consumers verification of the debt
  • Continuing collection efforts without providing verification of the debt
  • Failing to identify disputed debts as such

The FDCPA requires that a debt collector provide a consumer with the name and address of the original creditor, the amount of the debt, and notice that the consumer has thirty days to dispute the debt. The collector must also inform the consumer that if he/she disputes the debt within the thirty days, it will send the consumer verification of the debt. If the consumer disputes the debt within the given thirty days, the collector must provide that verification and stop all collection efforts until it has done so.  

According to a majority of the complaints against TRAF Group, not only does it refuse to provide consumers with verification of a debt and continues its collection efforts once verification has been requested, but it also pursues collection efforts on debts that have been paid or discharged in bankruptcy, attempts to collect fees and charges not authorized by law, and falsely reports information to credit reporting bureaus.

Creditors and debt collectors need to be held accountable for these unethical and unlawful practices. If you are being subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold the TRAF Group accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.