🚨Stop Amos Financial Phone Harassment❗
Is Amos Financial harassing you with constant phone calls? Creditors find it easier and oftentimes cheaper to transfer the responsibility of pursuing the debts owed to them to a collection agency. This is because collection agencies have the experience, resources and tools required to track down a debtor and discuss their debts. Third-party debt collectors are able to find debtors even when they have moved to a new location or changed their numbers.
Some of the strategies debt collectors employ include: calling the friends and family of the debtor to ask for their number (they are not allowed to disclose information about the debt to the friends and family), calling the workplace of the debtor, stalking the debtor on social media, or even showing up at the debtor’s residence or place of employment.
Debt collectors employ numerous strategies in a bid to get people to pay their debts. Some of these strategies are fair and lawful while others are not. To manage the persistent calls from a legitimate business, you should address any unverified debts promptly. If a debt collector is being rude, insensitive, and insulting to you, they’re breaking the law and could face a desist order.
The Fair Debt Collection Practices Act (FDCPA) is a federal law put in place to regulate the activities of third-party debt collectors. According to the FDCPA, debt collectors should never employ unfair, deceptive and abusive debt collection methods. When a debt collector begins to call you many times a day, call you at odd hours, harass your family or friends, threaten you with lawsuits or physical harm, they are violating your rights under the FDCPA and you should contact us now to get legal help.
📉Can Amos Financial Garnish My Wages❓
One of the things debtors are most concerned about is whether a collection agency can garnish their wages.
Debt collectors can be scary and intimidating. They say a lot of things to debtors just to get them to pay up faster, most of which are just threats and can not actually be acted upon according to the provisions of the law. If a debt collector is threatening to garnish your wages, it is most likely just a threat, that is, except they have filed a lawsuit against you in a court of law. No debt collector has the right to garnish a debtor’s wages on their own, except they have the backing of the law.
The only way a debt collector can garnish your wages is if they sue you to court and win a lawsuit against you and the court grants them permission to garnish your wages. Everything outside of this is just a threat and a violation of your rights under the FDCPA.
⛓️Can Amos Financial Send Me To Jail❓
Threatening to send debtors to jail is one tactic that debt collectors use often. People are thrown into a state of panic and fear when they hear debt collectors issue such threats. This is why debtors need to be aware of what a debt collector can and can not do to them, by reading about the Fair Debt Collection Practices Act. According to federal laws, a debt collector cannot send a debtor to jail over a debt. Any debt collector telling you that they will send you to jail is threatening you and that is prohibited by the FDCPA. Being in debt is not a crime and therefore should not be treated as such.
💳What is Amos Financial Debt Collector❓
According to their website, Amos Financial is an independent debt acquisition firm that operates as an Illinois limited liability company, purchasing and servicing a diverse portfolio of debt from a number of banking institutions. Amos Financial LLC, as a limited liability company, has a catalog of different consumer and commercial accounts, including but not limited to, credit cards, automobile loans, equipment loans, and mortgages.
📞Contact Information
Address: 3330 Skokie Valley Rd Highland Park, IL 60035-1035 Phone: (847) 433-2600
⚠️Is Amos Financial Violating Fair Debt Collection Practices❓
No, they are not. they are an approved collection agency. According to the Better Business Bureau website, Amos Financial has been in business since 1999 and has an active file opened with the Better Business Bureau. Read more about them here: Amos Financial Better Business Bureau
📋How Amos Financial Affects Your Credit Report
Amos Financial, a debt collector, can significantly impact your credit report. When Amos Financial purchases or services a debt, they may report the collection account on your credit report, which can lower your credit score. The collection account can remain on your credit report for up to 7 years, even after you’ve paid the debt. This can make it challenging to obtain new credit, loans, or even rent an apartment.
It’s essential to monitor your credit report regularly to ensure that Amos Financial is reporting accurate information. If you find any errors or inaccuracies, you can dispute them with the credit reporting agency. Additionally, if you’re able to pay the debt, it’s crucial to obtain a “Pay-For-Delete” agreement from Amos Financial, which can help remove the collection account from your credit report.
🎯Resolving Debts with Amos Financial
Resolving debts with Amos Financial requires a strategic approach. If you’re contacted by Amos Financial, it’s essential to verify the debt and ensure that it’s legitimate. You can request a debt validation letter from Amos Financial, which should include details about the original creditor, the amount owed, and any relevant documentation.
If you’re unable to pay the debt in full, you may want to consider negotiating a settlement with Amos Financial. This can involve offering a lump-sum payment or setting up a payment plan. However, be cautious when negotiating with Amos Financial, as they may try to persuade you to pay more than you can afford.
Another option is to send a goodwill letter to Amos Financial, requesting that they remove the collection account from your credit report. However, this approach is not always successful, and Amos Financial may not agree to remove the account.
It’s also important to be aware of your rights when dealing with Amos Financial. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassing or abusive behavior. If you feel that Amos Financial is violating your rights, you can file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General’s office.
In some cases, it may be beneficial to seek the help of a credit repair professional or a debt management company. These organizations can help you navigate the debt collection process and negotiate with Amos Financial on your behalf.
Remember, resolving debts with Amos Financial requires patience, persistence, and a thorough understanding of your rights and options. By taking a proactive approach, you can minimize the impact of Amos Financial on your credit report and improve your overall financial well-being.
📲Known Amos Financial Collection Agency Call Numbers
Are you receiving any harassing phone calls from any of the following numbers?
(847) 433-2600
If the answer is yes, then you are receiving calls from a known Amos Financial number. You may be a victim of Amos Financial phone harassment.
📝The following is a sample list of complaints filed against Amos Financial and can be found on Pacer.gov.
3:17-cv-01119-JMM Redenski et al v. Amos Financial, LLC
3:14-cv-01633-SRU Gagnon v. Amos Financial LLC et al
2:14-cv-00090-GLF-NMK Burkitt v. Amos Financial LLC et al
0:13-cv-03403-RHK-SER Elzy v. Amos Financial, LLC
3:13-cv-00063-JGM Pape v. Amos Financial LLC et al
🏛️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 Amos Financial. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
