Indebted consumers are often subjected to abuse by third-party debt collectors. Yelling, calling you at work, and threatening lawsuits are all examples of bullying tactics used to stress you into paying the debt, hoping you will never realize that the law protects you from such mistreatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, limits what third-party debt collectors can say or do when contacting you. If they use methods like those below, they’re breaking the law and can face substantial fines.
- Threatening legal actions they cannot take
- Telling you that you can be arrested and imprisoned if you do not pay
- Disguising the fact that they are debt collectors trying to collect a debt
- Making legal threats they have no intention of following up on
- Calling at all hours of the day and night
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
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Company Profile: Advantage Financial Services
If you are being called by Advantage Financial Services, here are some additional company details.
Advantage Financial Services is a debt collection agency in Boise, Idaho. It was established in 2011, has fewer than 10 employees, and is managed by Carma Farrar. The company has a B+ rating with the Better Business Bureau.
A close inspection of legal records at the PACER website suggests that consumers who thought that they were being harassed by Advantage Financial Services refused to pay.
![Are You Being Called By Advantage Financial Services?*]()
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Alleged Violations against Advantage Financial Services
According to PACER, on or around August 1, 2017, Advantage Financial Services called an Idaho consumer to collect a debt. This communication was followed by a letter stating that she owed $4,200, with a principal balance of $2,655.49.
She was allegedly not advised that the debts were past the statute of limitations except for two accounts that totaled $73.19. The consumer also complained that she received calls from collectors who threatened to sue her if she did not make an immediate payment.
Feeling harassed by Advantage Financial Services, the consumer obtained legal counsel and sued the company for allegedly:
- Threatening action it could not legally take
- Using false, deceptive, and misleading means to collect a debt
- Trying to collect a time-barred debt
The matter was later dismissed.
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Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-208-258-2272. If you see it on your caller ID when the phone rings, it means that Advantage Financial Services is calling you. If they pursue you for a time-barred debt or threaten lawsuits to scare you into paying, protect yourself by hiring a consumer lawyer and filing a claim against Advantage Financial Services.
If the judge rules in your favor, you could be awarded $1,000 plus your legal fees, so you have options when a collection agency presumes that you have no rights.
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Additional Resources
Case taken from PACER (pacer.gov). File number is Case 1:18-cv-00299-EJL from the United States District Court for the District of Idaho.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Advantage Financial Services or any other third-party collection agency, you may not be entitled to any compensation.