For many consumers, dealing with a collection agency is a nightmare. They receive rude and demanding calls all day and night, voicemails full of threats, and payment demands that they cannot meet. This conduct is illegal, however, and if it happens to you, there are steps you can take to stop it and seek compensation.
The FDCPA and How Your Rights Fall Under It
The Fair Debt Collection Practices Act, or FDCPA, places restrictions on how third-party debt collectors can approach you for payment. Any actions that are similar to those below violate federal law and allow you to take action.
- Calling anyone except you, your spouse, or attorney about the debt
- Harassing you by phone (calling and hanging up)
- Harassing you over a debt that isn’t yours
- Cursing and swearing
- Adding illegal collection and service fees to the original debt
- Threatening legal actions it had no intention of taking, such as wage garnishment or foreclosure
Company Profile: Advantage Assets II, Inc.
If Advantage Assets II, Inc. is calling you, here are more facts about the company.
Advantage Assets II, Inc. is a debt buyer and collection agency located in Houston, Texas. It was established in 2008, has fewer than 10 employees, and is managed by its President and CEO, David John.
Digitized litigation documents on PACER confirm that consumers who believed they were being harassed by Advantage Assets II, Inc. did not hesitate to fight back.
Violations Alleged Against Advantage Assets II, Inc.
According to PACER, in or around 2010, Advantage Assets II, Inc. started trying to collect a debt from an elderly Illinois consumer. On June 3, 2016, the law firm representing the consumer advised the company that she could not afford to pay the debt and ordered it to stop contacting her directly.
The agency withdrew a lawsuit against her but on March 6, 2014, another debt collector affiliated with Advantage Assets II, Inc. sent the consumer another collection letter.
Feeling harassed by Advantage Assets II, Inc., the consumer filed a lawsuit against the company for allegedly:
- Trying to collect when she refused to pay
- Contacting the consumer, even though represented by a lawyer
The matter was then dismissed at a later date.
Speak with an FDCPA Attorney
The phone number for Advantage Assets II, Inc. is 1-713-414-2101. Its appearance on your phone, it is confirmation that Advantage Assets II, Inc. is calling you.
If they harass you after you refuse to pay and contact you directly when you have an attorney, fight back by hiring a consumer lawyer and filing a claim against Advantage Assets II, Inc.
If you win your case, you could be awarded statutory damages and legal costs, so when a debt collector violates the FDCPA, let your next call be to an attorney.
Case taken from PACER (pacer.gov). File number is Case: 1:14-cv-06029 from the United States District Court for the Northern District of Illinois, Eastern Division.
*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 Assets II, Inc., or any other third-party collection agency, you may not be entitled to any compensation.