Understanding Debt Collection Agencies
What is a debt collector?
A debt collector is an individual or business that collects debts owed to creditors. Debt collectors may work directly for the creditor or may be third-party agencies hired to collect debts on behalf of the creditor. Their primary goal is to recover the debt from the debtor, and they may use various methods to achieve this, including phone calls, letters, and emails. If you’re receiving persistent phone calls from a debt collector, it’s crucial to understand your rights and the tactics they may use.
How debt collection agencies operate
Debt collection agencies operate by purchasing debts from creditors or being hired by creditors to collect debts on their behalf. Once they acquire the debt, they attempt to contact the debtor to recover the owed amount. This often involves a combination of phone calls, letters, and emails. Additionally, debt collectors may report the debt to credit reporting agencies, which can negatively impact your credit score. Understanding how these agencies operate can help you navigate their tactics and protect your financial health.
Debt collection agencies vs. creditors
Debt collection agencies are different from creditors in that they are not the original lender. Creditors are the original lenders who provided the loan or credit to the debtor. Debt collection agencies, on the other hand, are third-party agencies that specialize in collecting debts on behalf of creditors. While creditors may also attempt to collect debts, debt collection agencies are often more aggressive and persistent in their collection efforts. Knowing the difference can help you better manage interactions with both parties and understand the motivations behind their actions.
Accounts Advocate Agency, Inc. Debt Collection Harassment
Tired of Accounts Advocate Agency Debt Collection Harassment? Wish there was a way to make the calls stop? Is Account Advocate Agency constantly calling and harassing you? Does your phone ring every day, several times per day, because Account Advocate Agency is calling you to demand payment? Threatening you with legal action? Has Account Advocate Agency ever used abusive or profane language when speaking with you on the phone? If so, Account Advocate Agency may be violating your legal rights. Stop the harassment.
Federal law, specifically the Fair Debt Collection Practices Act (FDCPA), provides protections against such harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Accounts Advocate Agency a Scam?
According to the Better Business Bureau website, Accounts Advocate Agency, a debt collection agency, has been in business for 4 years. There have been 3 complaints filed against AAA with the BBB.
Who is Account Advocate Agency Debt Collection Agency?
Account Advocate Agency is third party debt collector located in Hamburg, Pennsylvania. They specialize in ambulance, medical, dental, veterinary, and commercial debts. A recent Federal Court cases alleges that Account Advocate Agency used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
The Fair Credit Reporting Act protects consumers’ rights regarding how debts are reported on their credit reports.
Address: 510 N Park Rd Ste 1 Wyomissing, PA 19610-2941 Phone: (610) 743-5759
Account Advocate Agency also goes by the name The Debt Mediators.
Account Advocate Agency Debt Collection Harassment Tactics and How to Stop Debt Collection Harassment
If Account Advocate Agency engages in any of the following tactics, you may have a case. The Fair Debt Collections Practices Act (FDCPA) prohibits debt collectors from using harassing tactics, including making repeated phone calls with the intent to annoy or abuse the debtor:
Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
Talking to others about your debt
Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
Use any profane language or any language that is harassing and abusive
Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
Threaten arrest or criminal prosecution
Send false information to the credit bureaus
Cause a telephone to ring an unreasonable amount of times
Account Advocate Agency Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
610-743-5697, 484-660-3681, 484-660-3857, 484-665-3477
If so, you may be a victim of Account Advocate Agency debt collection harassment. The list above is not all the numbers that Account Advocate Agency uses. Also, calls can be from a different numbers and it still be Account Advocate Agency calling you. Debt collector contact can be invasive and persistent, often involving multiple phone numbers. Contact our office right away so we can start the process to stop Account Advocate Agency from calling you illegally. Above all, no one should live with harassment.
Dealing with Debt Collectors
Documenting interactions: keep written notices and call logs
When dealing with debt collectors, it’s essential to document all interactions, including written notices and call logs. This can help you keep track of the debt collector’s communications and provide evidence of any harassment or abuse. Here are some tips for documenting interactions:
Keep a file of all written notices: Save all letters and emails from the debt collector in a dedicated file.
Maintain a call log: Record all phone calls from the debt collector, noting the date, time, and details of the conversation.
Take detailed notes: During phone calls, jot down the name of the debt collector, their company, and any agreements or promises made.
Record payments: Keep a record of any payments made to the debt collector, including the date, amount, and method of payment.
Consider recording phone calls: If your state laws allow, recording phone calls can provide additional evidence of the debt collector’s behavior.
By documenting interactions, you can protect yourself from debt collector harassment and abuse, and ensure that you have a clear record of all communications. This documentation can be invaluable if you need to take legal action to stop debt collection harassment.
Common Questions
Is AAA a scam? No, Accounts Advocate Agency has been in business for 4 years.
Can Accounts Advocate Agency garnish my wages? Yes, AAA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can AAA sue me? Yes, AAA can sue you so long as the debt is within the statute of limitations.
Can AAA report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. The FDCPA requires debt collectors to follow specific guidelines when contacting consumers.
Can AAA arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Account Advocate Agency debt collection harassment. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more Account Advocate Agency debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
Many clients have successfully resolved their consumer complaints with the help of the law firm.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
