Legal Threats from American Check Management, Inc.?
Legal Threats from American Check Management, Inc.? Does American Check Management claim you committed fraud and will go to jail? Does American Check Management threaten you will legal action? If yes, then American Check Management may be guilty of debt collection harassment.
Even after mapping a perfect financial plan for your life, unplanned events can get in the way ruining everything you planned. Health conditions, divorce, accidents, and so on affect people’s finances in one way or the other and can get them into debt.
One of the things that accompany debts is the calls from debt collectors which has been a nightmare for many debtors. Debt collectors are organizations or agencies that specialize in pursuing payment of debts owed by individuals or businesses. Debt collectors can get harsh and unpleasant while trying to recover debts from people.
If you’re being harassed by American Check Management, Inc., there are ways to get them to stop. The FDCPA and other federal laws protect you from debt collection harassment. You may be entitled to statutory damages up to $1000.00 plus the debt collecting agency is responsible for paying your attorney fees.
If you have any additional questions than please visit our FAQ page: FAQ | Consumer Rights Law Firm PLLC (consumerlawfirmcenter.com
Understanding the FDCPA
The Fair Debt Collection Practices Act (FDCPA) provides clear guidelines regarding the behavior of debt collectors when attempting to collect debts from consumers. Violations of these guidelines can result in legal action against the debt collector. Here are some common FDCPA violations:
1. Harassment or Abuse
Debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses consumers. This includes:
- Making excessive or repeated phone calls with the intent to annoy or harass.
- Using profane or abusive language during communication.
- Threatening violence or harm to the consumer or their property.
- Publishing lists of consumers who refuse to pay debts (with exceptions).
2. False or Misleading Representations
Debt collectors are not allowed to make false or misleading statements in an attempt to collect a debt. Common violations include:
- Misrepresenting the amount or legal status of the debt.
- Falsely claiming to be an attorney or law enforcement officer.
- Threatening legal action they have no intention of taking.
- Misrepresenting the consequences of non-payment, such as arrest or property seizure.
3. Unfair Practices
The FDCPA prohibits debt collectors from engaging in unfair practices when collecting debts. This includes:
- Attempting to collect fees, interest, or other charges not authorized by the original agreement or state law.
- Depositing post-dated checks before the date on the check.
- Contacting consumers at inconvenient times, such as before 8:00 a.m. or after 9:00 p.m. local time.
4. Disclosure of Debt Information
Debt collectors must handle sensitive information about the debt and the consumer with care. Violations include:
- Disclosing information about the debt to third parties (other than the consumer’s spouse or attorney) without permission.
- Using envelopes or other communication methods that reveal the debt collector’s identity or the nature of the debt.
5. Threatening Legal Action
While debt collectors are allowed to inform consumers of potential legal actions, they must do so within the bounds of the law. Violations include:
- Threatening legal action, they are not legally permitted to take.
- Falsely representing the involvement of an attorney or law firm.
- Misrepresenting the legal process or consequences of legal action.
6. Failure to Validate Debt
Upon request, debt collectors are required to provide consumers with validation of the debt. Violations include:
- Ignoring or refusing to respond to a consumer’s request for debt validation.
- Failing to provide accurate and complete information about the debt, including the name of the original creditor and the amount owed.
7. Contacting Consumers at Work
Debt collectors are generally prohibited from contacting consumers at their place of employment if they know or have reason to know that such communication is inconvenient. Exceptions apply if the consumer provides permission or if the debt collector is unable to reach the consumer at home.
Who is American Check Management, Inc.?
According to their website, UTA was formerly known as National Check Trust, Inc. until it merged with American Check Management, Inc. in 2010 and was incorporated as United TranzActions, LLC, currently headquartered in Miramar, Fl. This merger represented the coming together of two top companies with the financial experience, industry expertise, and innovative processing solutions to become a pioneer in the payment industry.
If you wish to read more about American Check Management, Inc click on their BBB page link American Check Management, Inc.
Contact Information
Address: 3200 Executive Way
Miramar, FL 33025-3930
Phone: (800) 858-5256
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. 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 American Check Management, Inc. 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.
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
Consumer Financial Protection Bureau
