Here are some Sample Cases filed in Federal Court, In April 2014, in United States District Court, Western District of New York, a judge issued an order in a case alleging American Credit Resolution had violated provisions of the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). I knew I needed help getting the credit card debt down and they helped a lot. I didn’t know that debt collection agencies can end up paying your legal bill. I am very pleased with my experience with AFS. Thanks for all that you do I am forever grateful. Contacting an attorney BEFORE this could possibly happen would be a smart move. A person with the same DOB & First and Last Name with criminal record & jail time at Arizona Penitentiary is all the time link to my profile. American credit card solutions isn’t an individual from the American Fair Credit Council or accredited by the International Association of Professional Debt Arbitrators, which could possibly be cause for concern. Got us further in debt and ultimately ran us in to bankruptcy. I contacted them to consolidate my debts and pay it off. It has previously been named by … What can I do? We understand what you're going through, and our certified counselors are here to listen to you and empower you to get your finances under control. Very helpful and responsive to needs and concerns. The kit includes: a series of 6 videos that will help you improve your credit score, a set of resources, tips and Questions & Answers for each video, and the Credit Solution email newsletter. American Financial Solutions was awesome! Justia lists at least 1 complaint naming American Credit Resolution as a defendant. Abused? Very helpful with my financial issues, and friendly service! I have completed my hours at the job they assigned me to and they have not hired me. It is illegal for a debt collector to make empty threats to sue you or garnish your wages. I am so happy I made the choice to make AFS my debt consolidators. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. It only takes a few short minutes of your time to talk to a rep. In any case, American credit card solutions are consistent with all Federal Trade Commission guidelines that apply to the business. They spam me with emails three times a day and unsubscribe foes not work. Thank you. What a surprise, to receive free legal help. In this case, the court awarded the plaintiff $500 for the FDCPA violation, $500 for each of the TCPA violations and court costs and attorney fees, for a total of $6,235.00, Here are some past Press Releases of Lawsuits Brought On By Lemberg Law. To find legit student loan help in the student loan assistance industry, here’s a roundup of the companies borrowers are searching for. Great help and experience working with AFS. New Credit America has two loan options: loans for debt consolidation and personal loans up to $10,000, which can be used for various purposes. They made sure I was comfortable with the amount I was having to pay out each month, and that surprised me. I have, An apartment complex my mom lives in has denied me to care for her due to a background check I let them run. Americans reported one scam every 11 minutes on average. Their recommendations were always thoughtful. Thanks a I see now there is an administrative fee for an additional fee of $15 a month. This lawsuit charges that American Credit Resolution violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using false, deceptive, or misleading representation in connection with the collection of a debt; by threatening to take legal action without actually intending to do so; by employing false and deceptive means to collect a debt; and by using unfair and unconscionable means to collect a debt. Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. The BBB established ACR’s profile page in 2013. Only the latest review will count in the company's TrustScore. The Credit Card Interest Rates that I was told I was going to have, 5 of the Credit Card Companies were higher then what I was told.I'm so grateful that the Credit Card Companies are paid in full!!Thank-you. … Absolutely. ACR is listed as a collection agency, credit repair, and financial services company. We are happy to have made the financial growth we have made with them, but sad to end a working relationship because it was so great. Unlawful Debt Harassment? American Credit Resolution or ACR is a third-party collection agency based in Atlanta, GA. ACR has received complaints from consumers alleging serious violations of the Fair Debt Collections Practices Act (FDCPA) such as improper sharing of information and threatening to take actions that cannot legally be taken. I suffer from PTSD so this was especially frightening to me. Our services aren't available in all states. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. According to its website, ACR “is a privately held financial services firm…whose mission is to maximize asset realization for… clients by providing custom state-of-the-art collection and call center solutions at the most competitive prices.”, American Credit Resolution provides services in three main areas: consumer collections, commercial collections, and call center services. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Credit Solutions Of America was first mentioned on PissedConsumer on Nov 25, 2007 and since then this brand received 54 reviews.. Credit Solutions Of America ranks 62 of 229 in Collection Agencies category. Auto Financing. Please enter a valid email adress, Your phone Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. What’s your name? American Credit Repair provides professional credit repair services to those looking to remove erroneous items from their credit reports. Thank you so much! telling me that I need to see them in their office immediately. No problems noted. “We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”, “If you are unsure about this company…DONT BE!!! Would recommend to anyone. They were able to get a lowered interest rate for me and I paid my debts as planned and even months earlier than actually planned paid them completely off. All interactions with American Financial Services have been very helpful. Debt collection calls can be intimidating. Contact Information. March 10, 2017. Or, instead you can send a secure message to our legal team. I appreciate that AFS was there for me. But it can be harder to tell a scam from a legit offer. Very helpful and happy to answer all questions. © 2021 Trustpilot, Inc. All rights reserved. But you can complete the paperwork yourself for free by using the tools on the FSA website. Denied, Things You Can Do Yourself When You Have a Lemon. They really do go to bat for you. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). See BBB rating, reviews, complaints, & more. Please make sure you review and understand all program materials before you enroll. American Credit Solutions ripoff business paid 200 fora credit card that I never received and there is no customer service to be found Tampa Florida . Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. Find out who they are, why they might be calling, and how you can stop them. Business Profile. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. American financial solutions was helpful in settling my accounts and helping me to establish myself better financially. What’s your email address? This was in September 2016, but ACR hasn’t yet filed a lawsuit against our client. AmeriCar Credit Solutions. This financial services company offers personal, small-business and corporate credit cards as well as savings accounts and CDs. Sound off and share your experience with other visitors in the comment box below. What We Do. Chicago, IL 60604 (800) 358-1874. I can’t say thank you enough!”, ”Lemberg Law has saved me from the endless calls, and harassing voicemails. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs. The overall rating of the company is 1.0 and consumers are mostly dissatisfied. ACR’s consumer collections division offers “services to wholesalers and debt packagers primarily dealing in the secondary market of distressed and charged-off consumer receivables.” This division specializes in “offering creative solutions including payment plans and discounts that conform to an individual’s unique situation.”, ACR commercial collections division offers “commercial collection services to companies in the construction, wholesaling, manufacturing, professional services, and other industries…with collection programs custom tailored to… maximize account receivable realization while maintaining a positive relationship with the customer/consumer.”, ACR’s call center division “offers dedicated agents, phone trunks/DID’s, and dedicated servers for database management…staffed by employees… trained in the protection of consumer/account holder information.” All staff are “required to sign a confidentiality and non-disclosure agreement upon hire.”. Who are we? They were able to make deals to get lower interest rates and told me a few places that the credit card companies were taking advantage of me. Praesent nec erat convallis Lorem ipsum dolor sit amet, consectetur adipiscing elit. I was told I would have to pay $110 a month. american financial Cost me $10K for the privilege of having them help me. Know what red flags to look out for and compare lenders before making a decision. I am now debt free and a credit score over 730. We are currently assessing the review in accordance with our reporting processes. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. I hope I don’t need them again but if I do, I’ll be back. ACR is calling one of my employees and leaving me messages about a legal matter. American Credit Resolution Inc or ACR is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. To back up their industry experience, American Financial is accredited by the NFCC, ensuring that the company’s credit counselors implement best industry practices. Telephone: (844) 746-0789. I have a voice-mail from ACR,should I return the call? It scared me because he said he had legal documents with my name and social security on them. On the occasions that I needed a little extra time, the staff was very understanding and helpful. American Express is … You are receiving early morning or late night calls from debt collectors, A debt collector attempts to collect more than you owe, You are being threatened with negative credit reporting, A debt collector attempts to intimidate you, Criminal accusations are being made towards you, We Help Stop American Credit Resolution ACR Collections Harassment. Harassed? Thank you again. American Credit Repair claims that their average client scores increase by 70-100+ points within a period of 60-120 days. Write a comment below to share online. Although the programs above are legit, you’ll want to be on the lookout for loan forgiveness scams. Federal laws protect you. This is “for your protection” Wound up being taken to court twice. Specifically, the plaintiff in this case alleged that an ACR representative had left several messages on the plaintiff’s “personal cellular telephone using an automatic telephone dialing system.” The messages did not identify the name of the business that was calling “and failed to inform the plaintiff that the ACR representative was a debt collector.” The messages stated only that the caller “had ‘a very urgent matter’ to discuss regarding the plaintiff’s name and social security number.” As a result, the plaintiff filed a complaint citing violations of FDCPA Sections 1692d(6), 1692g(a), and 1692e(11), which prohibit “the placement of telephone calls without the meaningful disclosure of the caller’s identity, failure to disclose the fact that the defendant is attempting to collect a debt, and failure to send the consumer a written validation notice within five days of the initial communication.” The plaintiff also cited a violation of “section 227(b)(1)(A)(iii) of the TCPA, which prohibits the use of an automatic telephone dialing system (‘ATDS’) to contact a cellular telephone, other than a call made for emergency purposes or with the prior express consent of the called party.”, Representatives of American Credit Resolution failed to appear and defend this action, “which resulted in the Clerk of the Court entering default” in January 2014. 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