Amerassist A/R Solutions Phone Harassment❓
Rude debt collectors are more popular than nice ones. A few people have reportedly had pleasant experiences with debt collectors, but a majority of debtors who have had to interact with debt collectors have bad stories to tell. Amerassist A/R Solutions Debt collectors are assigned to pursue debts on behalf of creditors, which are collected from various sources, so it is not illegal for them to call people to discuss their debts. However, some debt collectors go too far and begin to harass the debtor. Companies play a significant role in the broader ecosystem of credit reporting and debt collection, including credit monitoring and employment screening.
Debt collectors harassing you over a debt you owe is bad but getting harassed over a debt you do not owe is worse. Debt collectors sometimes call the wrong people and end up harassing them and making them uncomfortable. Nobody deserves to be treated like that. Thankfully, federal laws like the FDCPA have something to say about this. If a debt collector is harassing you over a debt that you owe or one that you do not owe, they are violating the FDCPA and you can choose to take legal actions against them. Speak with a good lawyer on this. Call us on 877-700-5790.
Introduction to Debt Collection
Debt collection is a process used by financial institutions, credit grantors, and collection agencies to recover debts from individuals or businesses that have failed to pay their loans or credit obligations. Credit reporting agencies, such as Equifax, Experian, and TransUnion, play a crucial role in debt collection by providing credit information and credit scores to lenders and collection agencies. This information helps lenders assess the credit worthiness of borrowers and make informed decisions about lending and credit limits. In the Philippines, for example, the Amerassist A/R Solutions is a public entity that collects and provides credit information to financial institutions, helping to promote financial inclusion and responsible lending practices.
Is Amerassist A/R Solutions Calling You❓
Just because Amerassist A/R Solutions debt collector has called you does not mean that you owe. Incorrect Amerassist A/R Solutions information can lead to mistaken debt collection attempts. Debt collectors make mistakes sometimes and call the wrong people. You may just be a victim of identity theft. In such cases, your identity information may have been compromised, leading to incorrect debt collection attempts. This can also happen if you just got a new number.
Credit reporting agencies maintain databases that should be accurate to prevent such errors.
It is wise to always verify a debt by asking the debt collector questions like;
- Who are you and what is your name?
- What agency do you work for and what is their address?
- What is the full name and address of the debtor you wanted to call?
- Who is the original creditor?
- How much is the debt?
Asking these questions will give you more clarity and make you know if the debt is yours.
If a debt collector insists that you owe the debt even after you’re sure that you don’t, simply write to their agency asking them to send proof that you owe the debt or stop calling you. This is called a cease and desist letter.
After a cease and desist letter, a debt collector should not call you anymore. However, if they keep calling, they are violating your rights under the FDCPA and you can choose to sue them to court.
Is Amerassist A/R Solutions a Scam❓
According to the Better Business Bureau website, Amerassist A/R Solutions has been in business for 15 years. There have been 21 complaints filed against AARS with the BBB.
Who is Amerassist A/R Solutions❓
Amerassist A/R Solutions is third party debt collector located in Columbus, Ohio. AARS has been a party to a Federal Court case over 25 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
🏛️ Amerassist A/R Solutions Address: 445 Hutchinson Ave Ste 500 Columbus, OH 43235-8616
📞 Phone: (614) 848-9800
Amerassist A/R Solutions Collection Tactics
If Amerassist A/R Solutions engages in any of the following tactics, you may have a case:
- ⚠️ Using threat, violence or other injurious means to harm a person, their reputation or property
- 🗣️ Using obscene or profane language in their communications with you
- 🏛️ False representation where Credit Recovery Systems LLC misrepresents itself a state or federal government authority.
- 🛑 Feeding you with misleading information on the amount or legal status of the debt you owe is also considered an unfair debt collection practice.
- ⚖️ Credit Recovery Systems LLC falsely implying that they are an attorney or law enforcement officers.
- 🚨 Leading you to believe that the nonpayment of the debt you owe will result in your arrest or imprisonment
- 📞 Causing your telephone to ring repeatedly with intent to annoy, abuse or harass you.
Amerassist A/R Solutions Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 614-848-9800
- 📲 877-294-9707
- 📲 (614) 848-9800
- 📲 (877) 294-9707
- 📲 6148489800
- 📲 8772949707
If the answer is yes, then you are receiving calls from a known AARS number. You may be a victim of AARS phone harassment. The list above is not all the numbers that AARS uses. The calls can be from different numbers and it still be Amerassist A/R Solutions calling you. Contact our office right away so we can start the process to stop AARS from calling you illegally. Above all, no one should live with harassment!
Understanding Credit Reports
A credit report is a detailed document that contains information about an individual’s or business’s credit history, including payment history, credit accounts, and public records. Credit reports are used by lenders, credit grantors, and collection agencies to evaluate credit worthiness and make decisions about lending and credit limits. Credit reporting agencies, such as Equifax and Experian, collect and maintain credit information from various sources, including financial institutions, credit card companies, and public records. Individuals and businesses can request a copy of their credit report from these agencies and review it for errors or inaccuracies. In the United States, for example, the Fair Credit Reporting Act (FCRA) requires credit reporting agencies to provide consumers with a free copy of their credit report once a year.
Credit Bureau Operations
Credit bureaus, also known as credit reporting agencies, are entities that collect and maintain credit information about individuals and businesses. These agencies provide credit reports and credit scores to lenders, credit grantors, and collection agencies, helping them to assess credit worthiness and make informed decisions about lending and credit limits. Credit bureaus operate by collecting credit information from various sources, including financial institutions, credit card companies, and public records. They then use this information to generate credit reports and credit scores, which are used by lenders and other stakeholders to evaluate credit worthiness. In the country, credit bureaus are governed by laws and regulations that require them to maintain accurate and up-to-date credit information, and to provide consumers with access to their credit reports.
Consumer Rights and Protections
Consumers have certain rights and protections when it comes to credit reporting. The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies, including Amerassist A/R Solutions, ensure the accuracy and completeness of credit information. Individuals have the right to access their credit reports, dispute errors, and request corrections. Additionally, they can opt-out of pre-approved credit offers and freeze their credit reports to prevent identity theft.
Members of certain organizations can benefit from additional protections, such as identity theft insurance and access to special databases that handle sensitive information with extra care.
Amerassist A/R Solutions is required to provide consumers with clear and concise information about their credit reports, including the sources of the information and the methods used to calculate credit scores. This transparency helps consumers understand and manage their credit standing effectively.
Dispute Resolution Process
If a consumer disputes an error on their credit report, note that Amerassist A/R Solutions has a dispute resolution process in place to investigate and resolve the issue. The process typically involves the consumer submitting a dispute request, which is then investigated by the bureau. If the error is found to be valid, the bureau will correct the credit report and notify the consumer. This dispute resolution process is designed to be fair and efficient, ensuring that consumers’ credit reports are accurate.
It is important to understand the relationship between credit reporting agencies and data furnishers, such as creditors and lenders, in resolving disputes. These entities provide the financial information that is used for credit assessments and monitoring.
Governed by federal and state laws, this process also allows consumers to seek assistance from the (CFPB) or the Federal Trade Commission (FTC) if needed.
Credit Report Errors
Credit report errors can occur when inaccurate or incomplete information is included in a credit report. These errors can have serious consequences, including denial of credit or loans, higher interest rates, and damage to credit scores. Individuals and businesses can request a copy of their credit report from credit reporting agencies and review it for errors or inaccuracies. If errors are found, they can be disputed and corrected by the credit reporting agency. In the United States, for example, the FCRA requires credit reporting agencies to investigate and correct errors within a certain timeframe. Consumers can also file complaints with the Federal Trade Commission (FTC) or other regulatory agencies if they experience errors or inaccuracies in their credit reports. The Amerassist A/R Solutions is an example of a credit reporting agency that provides credit information and credit scores to lenders and other stakeholders, and is subject to laws and regulations that require it to maintain accurate and up-to-date credit information.
Prevention of Debt Collection Harassment
Amerassist A/R Solutions is also subject to laws and regulations that prevent debt collection harassment. Accurate credit information can significantly impact employment opportunities, as employers often rely on credit records for screening potential employees. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in abusive or harassing behavior, including making false or misleading statements, using threats or intimidation, and contacting consumers at inconvenient times. Amerassist A/R Solutions is required to ensure that debt collectors who use its credit information comply with the FDCPA and other applicable laws.
Credit reporting agencies provide various services to ensure compliance with these laws, helping both lenders and consumers make informed decisions. Consumers who are being harassed by debt collectors can contact the CFPB or the FTC for assistance and can also file a complaint with the credit reporting agency. By providing accurate and reliable credit information, Amerassist A/R Solutions helps to prevent debt collection harassment and promotes fair and responsible lending practices.
The following is a sample list of complaints filed against Amerassist A/R Solutions in the past and can be found on Pacer.gov.
- 🔗 6:10-cv-01288-WEB-KMH Costello v.
- 🔗 5:17-cv-01176-C Yonker v.
- 🔗 3:18-cv-01607-G Bradley v.
- 🔗 2:19-cv-05132-SPL Baillio v.
- 🔗 1:12-cv-00825-LJO-GSA Brink v.
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Amerassist A/R Solutions Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
Success Stories
- 🏆 “I can’t say enough good things about this firm. I had multiple debt collectors harassing me, and one even threatened legal action without any basis. Consumer Rights Law Firm PLLC reviewed everything, filed complaints, and stopped the harassment in its tracks. They even helped me recover compensation for the illegal calls. I now feel empowered and informed. I recommend them 100%.”
- 🏆 “When I contacted Consumer Rights Law Firm PLLC, I was frustrated and unsure if I even had a case. But they listened carefully, took the time to understand my situation, and assured me that what I was going through was not okay. Within days, they sent letters to the collector, and the harassment stopped. They are true advocates for consumers and are clearly passionate about what they do. I’m so glad I found them.”
- 🏆 “I highly recommend Consumer Rights Law Firm PLLC. I reached out when a debt collection company began contacting my family members and coworkers. I was embarrassed and desperate for help. This law firm immediately stepped in, took over the communication, and made sure my rights were protected. Their legal team was friendly, efficient, and incredibly knowledgeable. Thank you for standing up for people like me!”
Common Questions
Is AARS a scam❓
No, Amerassist A/R Solutions has been in business for 15 years.
Can Amerassist A/R Solutions garnish my wages❓
Yes, AARS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can AARS sue me❓
Yes, AARS can sue you so long as the debt is within the statute of limitations.
Can AARS report my debt to the collection bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report
Can AARS 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.
