716-564-4000
NY, US
 | James Cox 2013-07-23 15:22:02 Unknown |
Company also goes by the name FISERV
| James Cox 2013-07-23 15:20:36 Fax Machine |
This company keeps trying to send a fax to my office phone. They have already been informed twice that they have a wrong number. Ironically, they are located in the same building that houses my office.
| buddah 2012-10-31 12:29:20 Unknown |
When you are contacted by an debt collector, ask for debt validation through certified mail with return receipt requested (CMRRR). You mustn't agree to pay a collection agency without validating the account.
Don't commit to an debt arrangement over phone, rather you must ask for their physical address to make the payment by sending a check/moneygram.
Don't succumb to their pressure. Making threats with lawsuits and jail terms are illegal and a clear violation of FDCPA.
Update yourself with the FDCPA laws; so that you can protect your rights against such abusive collectors
Common FDCPA violation
1. Threatening with lawsuit: If you are threatened by debt collector with a lawsuit but they don't follow up with it later on, they are violating FDCPA.
Check out your state laws regarding recording conversation. If it is allowed, then you may want to record the threats made by debt collectors This can be used later as evidences when you sue them for FDCPA
Threatening with wage garnishment: It is a violation for the collection agency to threaten a debtor with wage garnishment where it is illegal violation.
Further, to garnish your wages, the collector has to sue you in the court and win a judgment against you. Hence, the collector is surely violating the law when he threatens with garnishment without winning a judgment against the debtor.If a collector threatens to garnish your wage or put lien against your property, confirm the state laws regarding these. You may also consult an attorney about your rights if needed. Also remember, that you can't be arrested for not paying a debt in USA. Check out more on the scare tactics used by the debt collectors and know your options.
Don't commit to an debt arrangement over phone, rather you must ask for their physical address to make the payment by sending a check/moneygram.
Don't succumb to their pressure. Making threats with lawsuits and jail terms are illegal and a clear violation of FDCPA.
Update yourself with the FDCPA laws; so that you can protect your rights against such abusive collectors
Common FDCPA violation
1. Threatening with lawsuit: If you are threatened by debt collector with a lawsuit but they don't follow up with it later on, they are violating FDCPA.
Check out your state laws regarding recording conversation. If it is allowed, then you may want to record the threats made by debt collectors This can be used later as evidences when you sue them for FDCPA
Threatening with wage garnishment: It is a violation for the collection agency to threaten a debtor with wage garnishment where it is illegal violation.
Further, to garnish your wages, the collector has to sue you in the court and win a judgment against you. Hence, the collector is surely violating the law when he threatens with garnishment without winning a judgment against the debtor.If a collector threatens to garnish your wage or put lien against your property, confirm the state laws regarding these. You may also consult an attorney about your rights if needed. Also remember, that you can't be arrested for not paying a debt in USA. Check out more on the scare tactics used by the debt collectors and know your options.
| AUTOMOTIVE RECEIVABLES SOLUTIONS LLC 2012-10-31 11:57:23 Unknown |
Collection Agency
We do both personal and commercial debt recovery. The agency charges commission on collected accounts only.
We collaborate with local attorneys to collect overdue accounts. It is the most effective way to collect.
In cases we handle, defaulters are paying directly to our customers, not to the agency.
No Fee for opening or closing an account. No management fee.
We do accept sundry accounts for collection even small ones.
http://www.saintlix.com/english/next.html
We do both personal and commercial debt recovery. The agency charges commission on collected accounts only.
We collaborate with local attorneys to collect overdue accounts. It is the most effective way to collect.
In cases we handle, defaulters are paying directly to our customers, not to the agency.
No Fee for opening or closing an account. No management fee.
We do accept sundry accounts for collection even small ones.
http://www.saintlix.com/english/next.html
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