Who is One Advantage and why are they calling me?

One Advantage LLC is a third‑party debt collection agency that often handles medical or other consumer debts purchased from original creditors. If they’re calling, they believe you may owe a debt they are attempting to collect.

Is One Advantage a scam or a legitimate debt collector?

One Advantage is a legitimate debt collector headquartered in Illinois. While not a scam, they have faced numerous consumer complaints and lawsuits alleging violations of debt collection laws.

Can One Advantage legally harass me with repeated phone calls or texts?

No. Harassment—such as calling before 8 a.m. or after 9 p.m., calling repeatedly, using abusive language, or contacting others about your debt—is prohibited under the Fair Debt Collection Practices Act.

What should I do if One Advantage keeps calling me?

Document each call with date, time, phone number and content. Send a written cease‑and‑desist notice requesting they stop contacting you. If they continue, file a complaint with the FTC or CFPB and consider legal help.

Can I dispute the debt One Advantage is calling about?

Yes. You have a right under the FDCPA to request debt validation within 30 days of the first contact. During this time they must cease collection until they verify the debt.

Can One Advantage impact my credit score?

Yes. If One Advantage reports the debt to credit bureaus, it may appear as a collection account on your credit report and adversely affect your credit score for up to 7 years.

Can I sue One Advantage for illegal phone harassment?

Yes. You may have grounds to file a lawsuit under the FDCPA or Telephone Consumer Protection Act for violations like repeated calls or unauthorized robocalls—even statutory damages may be possible.

Does One Advantage use spoofed numbers or robocalls?

Consumers report receiving calls from multiple numbers and occasional robocalls. If calls are automated without consent, this may violate the TCPA.

Will paying the debt remove it from my credit report?

Paying the debt may change the status to “paid,” but the collection item typically remains on your credit report for up to seven years unless you negotiate a pay‑for‑delete agreement in writing.

What if One Advantage calls my employer or third‑party contacts?

That is illegal unless it’s to verify location information, and they know your employer prohibits such calls. You can tell them not to contact your employer and require them to provide all communication in writing.

One Advantage Phone Harassment & Debt Collections

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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One Advantage Phone Harassment?

Is One Advantage (OA) calling you? Stop One Advantage 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. Harassment can occur not only through phone calls but also through text messages, which are another way debt collectors may contact you. You have the legal right to stop OA phone harassment. 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’s fees and court costs. The Federal Trade Commission is a key agency for reporting debt collection harassment and plays an important role in protecting consumer rights.

Is One Advantage a Scam?

According to the Better Business Bureau website, One Advantage has been in business for 3 years. There have been 9 complaints filed against OA with the BBB. Read more here: One Advantage Better Business Bureau.

Who is One Advantage Debt Collection Agency?

One Advantage is a third-party debt collector located in Belleville, Illinois. As a company that regularly collects debts owed to others, One Advantage handles household debts such as credit card debt, auto loans, and medical bills. They may collect these debts on behalf of the original creditor, which is the company that initially extended credit or a loan to the consumer. OA has been a party to a Federal Court case over 60 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.

🏛️ One Advantage Address: 7650 Magna Dr Belleville, IL 62223-3366 📞 Phone: (866) 812-3874

One Advantage Collection Tactics

If One Advantage 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
➤ 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
➤ Engaging in unfair practices or making debt collector contact at prohibited times

If you experience such calls, you have the right to stop calling by requesting the collector to cease communication.

One Advantage Debt Collector Calls and Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

📲 866-812-3874
📲 800-645-4382
📲 (866) 812-3874
📲 (800) 645-4382
📲 8668123874
📲 8006454382

If the answer is yes, then you are receiving calls from a known OA number. Debt collectors may also attempt to contact you at your home phone to obtain updated contact information. It is important to answer calls from known numbers to avoid escalation, such as your debt being reported as collections accounts on your credit report. You may be a victim of OA phone harassment. The list above is not all the numbers that OA uses. The calls can be from different numbers and it still be One Advantage calling you. Contact our office right away so we can start the process to stop OA from calling you illegally. Above all, no one should live with harassment!

Complaints Against One Advantage

The following is a sample list of complaints filed against One Advantage in the past and can be found on Pacer.gov.

📋 3:15-cv-01292-HES-PDB Martin v.
📋 3:16-cv-01154-MJR-SCW Lautz v.
📋 3:16-cv-01240-SMY-DGW Moran v.
📋 3:16-cv-01244-JPG-SCW Nicklin v.
📋 3:17-cv-00568-PPS-MGG Nourse-Garland v.

Old Debts and Statute of Limitations

When dealing with debt collectors, understanding the statute of limitations on old debts is essential for protecting your rights and financial situation. The statute of limitations is a law that sets a specific time frame during which a debt collector can take legal action to collect debts, such as filing a lawsuit in state or federal court. This time limit varies depending on your state’s law and the type of debt involved—credit card debt, for example, may have a statute of limitations ranging from three to ten years.

If you receive debt collection calls about an old debt, your first step should be to verify the debt and determine whether the statute of limitations has expired. Once a debt is “time-barred,” a debt collector can no longer sue you to collect it. However, this does not always stop debt collectors from calling, sending letters, or attempting to collect debts through other means. If you want to stop a debt collector from contacting you about an old debt, you can send a written cease-and-desist letter. This letter instructs the debt collection agency to stop contacting you, though it does not erase the debt itself.

It’s important to be cautious when dealing with time-barred debts. Making a payment or even acknowledging the debt in writing can restart the statute of limitations in some states, giving the debt collector a new window to sue you. Before making any payments or arrangements, consider seeking professional advice from a certified credit counselor or an attorney who is familiar with debt collection laws and fair debt collection practices. These professionals can help you understand your rights and avoid common pitfalls when dealing with debt collectors.

Federal laws like the Fair Debt Collection Practices Act (FDCPA) are designed to protect consumers from unfair or abusive debt collection practices. The FDCPA prohibits debt collectors from using deceptive tactics, threatening legal action they cannot take, or contacting you at unreasonable hours. Knowing your rights under the FDCPA and your state’s own debt collection laws can help you stop a debt collector from using aggressive tactics or violating your rights.

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. Rather than suffer alone, contact our office to begin the process to stop the One Advantage 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 One Advantage. call us at 877-700-5790 for immediate assistance or visit our website.

Success Stories

🏆 After weeks of relentless phone calls from a collection agency, I reached out to Consumer Rights Law Firm PLLC—and I’m so glad I did. They took my case seriously from day one and walked me through every step. The calls stopped completely, and I even received a settlement. Their professionalism and care were unmatched.
🏆 Consumer Rights Law Firm PLLC gave me my life back. I was losing sleep over constant harassment, but their team stepped in and immediately put a stop to it. They explained my legal options clearly and handled everything swiftly. I felt protected and supported the entire time. Truly a five-star experience!
🏆 I didn’t know where to turn when a debt collector started contacting my family and workplace. A friend recommended Consumer Rights Law Firm PLLC, and they turned out to be exactly what I needed. They filed a case on my behalf and made sure my rights were enforced. The harassment ended, and justice was served.
🏆 The attorneys at Consumer Rights Law Firm PLLC are compassionate, smart, and effective. I was skeptical at first, but after my free consultation, I knew I was in good hands. They resolved my case quickly and made sure the collection agency was held accountable. I highly recommend them to anyone facing illegal debt collection tactics.

Common Questions

Is OA a scam?

No, One Advantage has been in business for 9 years.

Can One Advantage garnish my wages?

Yes, OA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Wage garnishment is a legal process where a portion of your paycheck is withheld to pay off a debt. Many federal benefits are protected from garnishment, but certain debts like delinquent taxes, child support, or student loans can still result in garnishment of federal benefits.

Can OA sue me?

Yes, OA can sue you so long as the debt is within the statute of limitations. The timing of your last payment can affect whether a debt is still legally collectible, as making a payment may reset the statute of limitations.

Can OA report my debt to the collection bureaus?

Yes, Debt collectors are allowed to place the collection account on your credit report. Collections accounts can negatively impact your credit report.

Can OA 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. You may receive court papers if a lawsuit is filed, and ignoring these can lead to further legal action, including possible garnishment of your bank account. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.