Every year, the Federal Trade Commission receives several complaints about third-party debt collectors. If you are being chased by a collection agency whose tactics border on the abusive, learn about your rights as a consumer, which protect you from such treatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was in 1977 to stop the rise in bankruptcies due to debt collector harassment. For over 40 years now it has been illegal to use tactics like those listed below to collect a debt:
- Reporting incorrect information to the credit bureaus
- Refusing to provide you with information about the debt upon request
- Trying to collect when you refuse to pay
- Showing up at your house to intimidate you
- Threatening legal actions that they have no intention of taking
- Pretending to be members of law enforcement
Company Profile: AAA Collections, Inc.
If you are being called by AAA Collections, Inc., here are some additional company details.
AAA Collections, Inc., which also does business as Advanced Asset Alliance, is a collection agency in Sioux Falls, South Dakota. It was established in 1965, has 20 people on staff, and is managed by its President, Randy J. Nelson.
The PACER website holds records suggesting that consumers who believed that they were being harassed by AAA Collections, Inc. chose to stand their ground instead of pay.
Alleged Violations against AAA Collections, Inc.
According to PACER, in or around April 2010, AAA Collections, Inc. started contacting a Minnesota consumer to collect a debt. She alleged that on or around April 9, a collector left her a voicemail that stated, “I expect this call returned and I expect it returned in a timely manner. My name is David Jensen. My office number is 1-800-611-7370, my extension is 642. I look forward to talking to you.”
Feeling harassed by AAA Collections, Inc., the consumer hired legal counsel and sued the agency for allegedly violating her rights by:
- Using false, deceptive, and misleading means to collect a debt
- Failing to identify itself a debt collector in all communications
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Seeing them on your caller ID is confirmation that you are being called by AAA Collections, Inc. If they leave demanding voicemails that don’t identify them as debt collectors, your next step should be hiring a consumer lawyer and filing a claim against AAA Collections, Inc.
You could receive $1,000 per violation plus your attorney fees, so take a stand when a debt collector goes too far.
Case taken from PACER (pacer.gov). File number is CASE 0:10-cv-03255-MJD from the United States District Court for the District of Minnesota.
*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 AAA Collections, Inc. or any other third-party collection agency, you may not be entitled to any compensation.