American First Finance Debt Harassment❓
Is American First Finance (AFF) calling you? Stop American First Finance phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. Many individuals are not aware of their rights under the Fair Debt Collection Practices Act (FDCPA) when dealing with collection agencies like American First Finance. You have the legal right to stop American First Finance phone harassment. If you receive a lawsuit notice from AFF, it is crucial to respond promptly to protect your rights. Lawsuits from American First Finance can lead to wage garnishment, making it important to understand the legal processes involved. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. Ignoring a lawsuit can lead to a default judgment against you, making it essential to address any legal notices you receive.
Introduction to Debt Collection
Debt collection is the process of recovering debts from individuals or businesses that have failed to pay their debts. Debt collection agencies, such as American First Finance, play a crucial role in this process by acting as intermediaries between creditors and debtors. The Fair Debt Collection Practices Act (FDCPA) regulates debt collection practices, ensuring that debt collectors treat consumers fairly and respectfully. Understanding debt collection is essential for both creditors and debtors, as it can help them navigate the complex process of recovering debts. It is also important to address each claim listed in any legal notices you receive.
Is American First Finance a scam❓
No, America’s first finance is not a fraudulent organization but a legitimate financial and debt collection agency recognized by the BBB. According to the Better Business Bureau website, American First Finance debt collection agency has been in business for 7 years and got accredited by the BBB in 2019. There have been several complaints filed and closed against America’s first finance, the most recent being only a month ago.
Even though the organization is legitimate, it is still pertinent to investigate the details of the agency calling you and claiming to be representatives of American First Finance, as reported cases of debt collection scams are steadily on the rise.
What is American First Finance❓
American First Finance is a premier financial technology company that seeks to provide consumers with alternatives to traditional retail lending. The company also makes it a mission to come up with creative solutions that support both businesses and their customers, most of whom do not have pristine credit.
American First Finance also aligns itself with several merchants across several industries such a furniture and home decor, appliances and electronics, jewelry, dental care, automotive repair, and several others.
🏛️ American First Finance Address: PO Box 565848 Dallas, TX 75356-5848
📞 Phone Number: (855) 721-1188
American First Finance Phone Harassment Examples
If they engage in any of the following tactics, you may have a case:
- 🚫 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
- ❌ Telling you or anyone else that you’ve committed a crime
- 🔁 Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
American First Finance Phone Number
Are you receiving any harassing phone calls from any of the following numbers?
- ☎️ 314-802-4026
- ☎️ 316-721-1188
- ☎️ 504-208-4549
- ☎️ 602-862-1000
- ☎️ 855-721-1188
If the answer is yes, then you are receiving calls from a known American First Finance phone number. You may be a victim of American First Finance phone harassment. Like many other debt collectors, American First Finance may use several numbers to call you.
Contact our office right away at 877-700-5790 to start the process of stopping American First Finance phone harassment. Help is only a phone call away.
Credit Report and Debt
A credit report is a detailed record of an individual’s or business’s credit history, including their payment history, credit accounts, and public records. Debt collection agencies, like American First Finance, often report debt information to credit bureaus, such as Equifax, Experian, and TransUnion. This information can significantly impact an individual’s or business’s credit score, making it essential to ensure that the information is accurate and up-to-date. Debt collectors must prove their claims when reporting debt information to credit bureaus. The Fair Credit Reporting Act (FCRA) governs the use of credit reports and ensures that consumers have access to their credit information.
Dealing with Debt Collectors
Dealing with debt collectors can be a challenging and intimidating experience, especially for those who are unfamiliar with the debt collection process. It is essential to understand your rights and responsibilities when dealing with debt collectors, including the right to dispute debts and the right to request written communication. Debt collectors, such as American First Finance, must comply with the FDCPA and treat consumers fairly and respectfully. If you are being contacted by a debt collector, it is crucial to keep a record of all communication, including phone calls, letters, and emails.
Additionally, it is advisable to speak with a reputable company that can assist in resolving issues related to debt collection calls from AFF.
Debt Collection Process
The debt collection process typically begins when a creditor hires a debt collection agency, such as American First Finance, to recover a debt. The debt collector will then attempt to contact the debtor to negotiate a payment plan or settle the debt. If the debtor fails to respond or pay the debt, the debt collector may report the debt to credit bureaus or take legal action. It is essential to understand the debt collection process and your rights as a consumer to ensure that you are treated fairly and respectfully.
Aggressive tactics used by debt collectors to coerce payments can have serious legal implications. Under the FDCPA, consumers have rights that protect them from being threatened or intimidated, and they may be entitled to compensation if such tactics are used.
Rights and Protections
As a consumer dealing with American First Finance or any other debt collection agency, you have rights and protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws prohibit debt collectors from engaging in unfair, deceptive, or abusive practices, such as making false statements, using threats or intimidation, or contacting you at inconvenient times. You also have the right to dispute any debt and request verification from the debt collector. If you believe AFF has violated your rights, you can file a complaint with the Better Business Bureau (BBB), the Federal Trade Commission (FTC), or your state’s Attorney General office. Additionally, you can seek assistance from a reputable credit repair company or a qualified attorney to help you navigate the debt collection process and protect your rights. Remember to keep detailed records of all communication with AFF , including phone calls, letters, and emails, as this can be useful in case of a dispute or lawsuit. Knowing your rights and taking proactive steps can help you manage debt collection issues more effectively and ensure that you are treated fairly.
Stopping Harassing Phone Calls
Harassing phone calls from debt collectors can be stressful and intimidating. However, there are steps you can take to stop these calls. Under the FDCPA, debt collectors are prohibited from making excessive or harassing phone calls. If you are receiving harassing phone calls from a debt collector, you can request that they cease communication or contact you only in writing. It is essential to ensure that any payment agreements discussed are in line with the proposals made. You can also file a complaint with the Better Business Bureau or the Federal Trade Commission (FTC) if you believe that a debt collector is violating the FDCPA. It is essential to keep a record of all communication with debt collectors, including phone calls, letters, and emails, to help you track any potential violations of the FDCPA.
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. Our services include helping clients secure compensation for any damages caused by aggressive debt collection tactics. Rather than suffer alone, contact our office to begin the process to stop the American First Finance harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from American First Finance call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I was being harassed by a debt collector who called me constantly. They even started contacting my workplace, which was incredibly embarrassing. I reached out to Consumer Rights Law Firm PLLC, and they jumped into action right away. Within days, the calls stopped, and I finally felt peace again. They handled everything professionally and kept me informed every step of the way.”
- 🏆 “I started getting repeated calls from a company about a debt that wasn’t even mine. I told them multiple times they had the wrong person, but they wouldn’t stop. Consumer Rights Law Firm PLLC helped me send a cease-and-desist letter, and took legal steps to hold them accountable. I didn’t pay a dime, and the calls are gone.”
- 🏆 “My anxiety was through the roof from the constant robocalls and threats of wage garnishment. I wasn’t sure where to turn. Consumer Rights Law Firm PLLC not only put an end to the harassment but also helped me understand my rights under the FDCPA. Their team is caring, knowledgeable, and highly effective.”
Common Questions
Is American First Finance a scam❓
No, They have been in business since 2010.
Can they seize my property❓
They can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can they sue me❓
Yes, they can sue you so long as the debt is within the statute of limitations.
Can they report my debt to the collections bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report.
Can they 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.