However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Each case that goes through the American Credit Repair process can expect the following: Credit Score Increase Rate. Find out if we can help you too today! Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. I was given a payback amount that I could handle most of the time. But you can complete the paperwork yourself for free by using the tools on the FSA website. Then they got all my payments lowered and they have the monies from that. But it can be harder to tell a scam from a legit offer. Get Free BBB A+ Attorney. All interactions with American Financial Services have been very helpful. Thank you. For a minute I thought it was the police or something. Contacting an attorney BEFORE this could possibly happen would be a smart move. Credit & Debt Services: American Credit Solutions Tampa, Florida. And we're here to help you get out of debt for good. They did not say they were a debt collector. If you don’t like your bank or credit union’s terms or have bad credit when applying, an online lender might cater to your specific needs. Thank you for helping me with paying off my debt and making my experience a positive one. This is “for your protection” Wound up being taken to court twice. 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. I have a voice-mail from ACR,should I return the call? What’s your name? I got into a bind and was stupid with my money and they got me on the right track. Credit Solutions of America offers online credit repair services with a low monthly cost and a 100% satisfaction guarantee. 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. Know what red flags to look out for and compare lenders before making a decision. I see now there is an administrative fee for an additional fee of $15 a month. Federal laws protect you. american financial Cost me $10K for the privilege of having them help me. American Credit Card Solutions reported this review for breaching of Trustpilot guidelines. American Credit Resolution, Inc. What can I do? Thoren Dillen 2 reviews. To back up their industry experience, American Financial is accredited by the NFCC, ensuring that the company’s credit counselors implement best industry practices. 8 signs of a personal loan scam. Find out more about the #1 new scam so you don't fall for it. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. They are for real when they say they are here to help you. ACR is listed as a collection agency, credit repair, and financial services company. To find legit student loan help in the student loan assistance industry, here’s a roundup of the companies borrowers are searching for. 14 Credit Solutions of America reviews. American Financial Solutions was awesome! American Financial Solutions is a non-profit credit counseling, financial education, and debt consolidation agency. You can sue a debt collector. Absolutely. Harassed? Furthermore, the court is authorized to award “up to $1,000 in statutory damages per plaintiff for any violation of the FDCPA. I was told I would have to pay $110 a month. 32 American Lending Solutions reviews. Box 467201 Call 475-277-1600 NOW. Briefly describe your experience. They explain everything in full detail before I sign anything. What We Do. According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Thanks for making it manageable to pay off debt!! Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. This financial services company offers personal, small-business and corporate credit cards as well as savings accounts and CDs. AmeriCar Credit Solutions. I appreciate that AFS was there for me. Although the programs above are legit, you’ll want to be on the lookout for loan forgiveness scams. What’s your name? And they reported more than 47,000 scams in 2017, an increase of 46% percent over the previous year. Potential customers can receive a free consultation either over the phone with a certified financial counselor, or over the Internet by completing an online form. They were very helpful and kind (and gentle too)! It only takes a few short minutes of your time to talk to a rep. 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. Many people think their credit score may be too low to qualify for financing. American financial solutions was…helpful and straightforward. Would recommend to anyone. Chicago, IL 60604 (800) 358-1874. I didn’t know that debt collection agencies can end up paying your legal bill. Please make sure you review and understand all program materials before you enroll. No problems noted. Their recommendations were always thoughtful. We are ranked A+ by the BBB. They really do go to bat for you. Instead, they offered NO help, answered no questions, would not send us any documentation of our phone calls, etc. We are Lemberg Law, a Consumer Law Firm. Our services aren't available in all states. The specific amount of statutory damages, not to exceed $1,000, falls within the court’s discretion.” In addition, a “person or entity that successfully establishes a TCPA violation under section 227(b)(1)(A)(iii) may recover its actual monetary loss from the violation or receive $500 in damages for each such violation, whichever is greater,” unless the violation is particularly egregious, in which case “the court may, in its discretion, increase the amount of the award to an amount equal to not more than 3 times” the standard penalty, or $1,500 per violation. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Thanks for all that you do I am forever grateful. 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. There is no charge unless we win. Our client says that this debt collector left a voice message on her cell phone stating that American Credit Resolution was preparing to file a lawsuit against her. The April 2014 hearing was held to make a decision about the plaintiff’s motion for default judgement and the amount of any award. Praesent nec erat convallis Lorem ipsum dolor sit amet, consectetur adipiscing elit. In the meantime, you are welcome to call us right away at 855-301-2100. You can trust them. Thank you for requesting your free case evaluation. The BBB established ACR’s profile page in 2013. I don't think the financial situation was explained to me completely or honestly. This organization is not BBB accredited. I did have a problem that I didn't understand within 2 days and they are one phone call away from answering your questions and solving your problem. The staff of the building called me. According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. We would highly recommend this organization to any of our friends or family. © 2021 Trustpilot, Inc. All rights reserved. Debt collection calls can be intimidating. Yes. The sad thing is they are calling my moms phone and leaving this message. Auto Financing. I knew I needed help getting the credit card debt down and they helped a lot. Federal laws provide individuals like you with a means to seek monetary damages in court. ACR is calling one of my employees and leaving me messages about a legal matter. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 18 complaints against ACR. Justia lists at least 1 complaint naming American Credit Resolution as a defendant. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. March 10, 2017. Thank you again. 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. 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. Your email The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. Americans reported one scam every 11 minutes on average. AmeriCar Credit Solutions. I would recommend this company to my friends and family, Have been my saving grace!!! Who are we? What Happens When You File for Bankruptcy? telling me that I need to see them in their office immediately. I will always think of the warmhearted people at AFS, and how grateful I will continue to be. Additionally, the organization has an A+ rating from the Better Business … Credit and Debt Counseling in Midvale, UT. One of our staff members will call you shortly. Dee Ann Ruiz, I am very pleased with my experience with AFS. The only problem that I had was in the beginning. As previously mentioned, American Financial Solutions has helped thousands of clients pay off billions of dollars in debt over the course of the past 18 years. On the occasions that I needed a little extra time, the staff was very understanding and helpful. 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. Describe your legal concern or comment American Credit Solution remains steadfast in its goal to provide everyday consumers with the resources they need to succeed in an ever-changing world of credit and debit, spending and earning. For example, seemingly legitimate student loan forgiveness companies might charge you to fill out government forms for your student loans. This was in September 2016, but ACR hasn’t yet filed a lawsuit against our client. As of December 2017, the Better Business Bureau (BBB) has closed 27 complaints against American Credit Resolution in the preceding 3 years. We are currently assessing the review in accordance with our reporting processes. I am very grateful! It is also unlikely ACR would sue you for a debt you may not owe or they cannot validate. Have you had a bad experience with this agency’s debt collectors? 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. 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. Abused? They spam me with emails three times a day and unsubscribe foes not work. American financial solutions was helpful in settling my accounts and helping me to establish myself better financially. I am now debt free and a credit score over 730. Sound off and share your experience with other visitors in the comment box below. What’s your phone number? A free inside look at company reviews and salaries posted anonymously by employees. If you want to enforce your rights, or recover money for violations — you need to sue. “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!!! Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. The staff is amazing and very helpful. Misled by a collector? The firm’s main office is located at 43 Danbury Road, Wilton, Connecticut. 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. Find out who they are, why they might be calling, and how you can stop them. 1. Very helpful and happy to answer all questions. Very helpful and responsive to needs and concerns. Call our Helpline today! Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. I was a skeptic, but you did everything you said you would! It is illegal for a debt collector to make empty threats to sue you or garnish your wages. I hope I don’t need them again but if I do, I’ll be back. Reliable, Professional. They’re legit. It scared me because he said he had legal documents with my name and social security on them. American Express. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Florida. Thanks a If you have been contacted by ACR regarding a delinquent debt, understand your rights before responding. American Financial has helped me tremendously and I am so thankful for the services I have used to get me out of debt! The Credit Solution Program offers you a Free Starter Kit. Atlanta, GA 31146 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.”. They did a great job of listening to our unique circumstances and teaching us which moves made the most sense for us at a given time in our financial journey. We had a wonderful experience with this organization. Email is required to block spam, but will not be published. Would recommend them to friends and family. The BBB established ACR’s profile page in 2013. Contact Information. Write a comment below to share online. A free inside look at company reviews and salaries posted anonymously by employees. I suffer from PTSD so this was especially frightening to me. 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. We look forward to working with you to resolve your legal issues. But, before you hand over your credit card information, you do need to know if it’s safe to shop at Wish.com, and many shoppers and AdvisoryHQ readers are asking, “Is there a Wish scam?” In this Wish.com review, we are going to get down to the bottom of several security-based questions, such as “Is Wish legit?” and “Is Wish.com safe?” American Credit Card Solutions is a great company to get rid of debt. Most of those complaints alleged problems with billing and collections, with several complaints also alleging problems with customer service. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. Admitted, or otherwise authorized to award “ up to $ 1,000 in statutory per. Administrative fee for an additional fee of $ 15 a month report debts! Financial issues, and again, thank you for helping me with emails three times day... 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