Aqua Finance Phone Harassment?
Is Aqua Finance (AF) calling you? Stop Aqua 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. You have the legal right to stop AF phone harassment. Consumers should not feel pressured to pay amounts they cannot afford, and legal assistance can help protect your financial well-being. 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.
Is Aqua Finance a Scam? Better Business Bureau Insights
According to the Better Business Bureau website, Aqua Finance has been in business for 33 years. There have been 56 complaints filed against AF with the BBB.
You can visit the Aqua Finance Better Business Bureau page for more information.
Who is Aqua Finance?
Aqua Finance is a third party debt collector located in St. Paul, Minnesota. They have been a party to over 700 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Furthermore, a recent Federal Court case alleges that Aqua Finance used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer, and this type of behavior constitutes harassment under the law, which means it is prohibited and subject to legal action.
📍 Address: PO Box 64051 Saint Paul, MN 55164
☎️ Phone: (715) 848-5425
Being a third-party debt collector means that Aqua Finance is collecting debts on behalf of another company, and this means they must comply with legal responsibilities under the Fair Debt Collection Practices Act (FDCPA), including avoiding any type of harassment or unfair practices.
Understanding Harassment
Dealing with debt collectors like Aqua Finance can be overwhelming, especially when the phone calls start coming in multiple times a day or at inconvenient hours. Understanding what constitutes harassment is critical for anyone receiving calls from debt collectors. The Fair Debt Collection Practices Act (FDCPA) was created to protect consumers from abusive tactics, and it specifically prohibits debt collectors from using harassment, oppression, or abuse to collect a debt. This includes repeated phone calls intended to annoy, threats of legal action without basis, or sharing information about your debt with family or your workplace.
The Better Business Bureau (BBB) reports that Aqua Finance has received dozens of complaints, which highlights the importance of knowing your rights and the steps you can take to protect yourself. If you are receiving calls from Aqua Finance or any other debt collector, it’s important to understand that you have the right to demand that the calls stop. You can respond by sending a written request, often called a cease and desist letter, which legally requires the company to stop contacting you except to inform you of specific actions, such as legal proceedings.
It’s also essential to check your credit report regularly to ensure that any information reported by Aqua Finance or other debt collectors is accurate. Incorrect or outdated information can negatively impact your credit, so addressing errors quickly is key. If you believe you are being harassed, you may be entitled to up to $1,000 in statutory damages under the FDCPA, and you can take legal action to resolve the situation.
To start the process of stopping harassment, consider reaching out to a law firm that specializes in debt collection harassment or visiting the websites of the CFPB or BBB for guidance. Keep detailed records of all calls, emails, and letters you receive, including the times and content of each contact. This documentation can be critical if you need to take further action or dispute a debt.
Remember, debt collectors are allowed to attempt to collect legitimate debts, but they must do so within the boundaries of the law. If Aqua Finance threatens to garnish your wages or obtain a judgment, you have the right to dispute these actions and seek professional help. By learning about your rights, understanding the process, and taking action, you can protect yourself, your credit, and your peace of mind. Don’t hesitate to contact a professional or use resources like the BBB to address and resolve any issues with debt collection harassment.
Aqua Finance Debt Collectors Collection Tactics
If Aqua Finance engages 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, or destroy your credit
- ▶️ Threatening to file a fee lawsuit or other lawsuits against you
- ▶️ Threatening you with a default judgement if you do not pay
- ▶️ Filing lawsuits without proper documentation or legal basis
- ▶️ Offering to make a deal or settlement that is not in your best interest
- ▶️ Demanding that you pay amounts not owed or already paid
- ▶️ Threatening to sue convergent or similar agencies as a scare tactic
- ▶️ 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
Aqua Finance Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📱 715-848-5425
- 📱 715-848-5225
- 📱 715-848-6220
- 📱 (715) 848-5425
- 📱 (715) 848-5225
- 📱 (715) 848-6220
- 📱 7158485425
- 📱 7158485225
- 📱 7158486220
If the answer is yes, then you are receiving calls from a known AF number. You may be a victim of AF phone harassment. The list above is not all the numbers that AF uses. The calls can be from different phone numbers and it still be Aqua Finance calling you. Contact our office right away so we can start the process to stop AF from calling you illegally. Above all, no one should live with harassment!
Complaints Against Aqua Finance Harassment
The following is a sample list of complaints filed against Aqua Finance in the past year and can be found on Pacer.org.
- 📝 2:09-cv-08652-GW-JEM Starks v.
- 📝 4:98-cv-04081-MMM-RJK Jennings v.
- 📝 2:10-cv-06591-VBK Alonzo v.
- 📝 2:18-cv-03393-GW-RAO Portley v.
- 📝 5:18-cv-02616-JGB-KK Qumseya v.
About Us
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. We are committed to fostering a welcoming and inclusive environment for all clients. Rather than suffer alone, contact our office to begin the process to stop the Aqua 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 Aqua Finance call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I cannot thank this lawfirm enough for relieving the burden off of my shoulders. Matthew was absolutely amazing and all I had to do was make a singular call and he got it done immediately. Their professionalism and dedication were the key factors of my immediate trust with them.
- 🏆 Very pleased with the service I have received. Harassing calls stopped quickly, and the customer service from this law firm has been wonderful.
- 🏆 I contacted them regarding a credit card scam and Scott was very knowledgeable and put my mind at ease. I highly recommend them.
Common Questions
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Why is Aqua Finance calling me?
Aqua Finance may be calling you to collect a debt or to discuss your account. These calls could relate to overdue payments or loan servicing issues. -
Can Aqua Finance legally call me multiple times a day?
While Aqua Finance can contact you regarding your account, repeated and excessive calls may constitute harassment, which is prohibited under the Fair Debt Collection Practices Act (FDCPA). -
What should I do if Aqua Finance is harassing me with calls?
Document each call and request that they stop contacting you. You can send a cease-and-desist letter. If the calls continue, you may be able to pursue legal action under the FDCPA or TCPA. -
Is it possible to sue Aqua Finance for phone harassment?
Yes, if Aqua Finance violates your rights under the FDCPA or TCPA by harassing or calling you without consent, you may be entitled to statutory damages and attorney fees. -
Who can help me stop Aqua Finance phone harassment?
Consumer Rights Law Firm PLLC can help you understand your rights, build a case, and potentially stop the harassment while seeking compensation.
