Are you being called by Advantage Financial Credit Service Inc.?* Here's what you need to know.
Debt collectors can be intrusive, aggressive and rude. This is usually because when you pay, they get paid, so they want you to settle a debt immediately and in full. If you’re dealing with an especially aggressive collection agency, the good news is that you have rights that these companies disregard at their own professional risk.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, gives consumers the right to dispute a debt and tell a collector to stop contacting them. It also prohibits the use of methods like the following to collect a debt.
- Using profane and obscene language
- Threatening consequences they cannot legally inflict, or have no intention of carrying out
- Calling at all hours of the day and night
- Trying to collect amounts that exceed the original debt
- Telling your friends, neighbors and co-workers that you owe money and they are trying to collect it from you
- Attempting to collect a debt that is in dispute
Company Profile: Advantage Financial Credit Service Inc.
If you are being called by Advantage Financial Credit Service Inc., information about the company is below.
Advantage Financial Credit Service Inc. is a debt collection company located in Ontario, Oregon. It was originally established in 1994, has a small staff of less than 10 employees, and is managed by its President, Deborah Easly. A review of civil litigation files at the PACER (Public Access to Court Electronic Records) website reveals that people who believed they were being harassed by Advantage Financial Credit Service Inc. stood up for themselves by going to court instead of paying.
Alleged Violations against Advantage Financial Credit Service Inc.
Nicholas Rinne vs. Advantage Financial Credit Service Inc.*
According to PACER, on several occasions on and before September 18, 2012, Advantage Financial Credit Service Inc. allegedly sent collection letters to Oregon resident Nicholas Rinne. These letters allegedly included statements that the agency may take legal action and that Mr. Rinne may be responsible for costs.
On September 27, 2012, he received a call on his residence’s answering machine that did not leave a message. Later that day, he called the number left by Caller ID, and was connected to a collector named Debby. Debby allegedly did not identify herself during the conversation, nor did she state that the purpose of the communication was for debt collection purposes.
Feeling harassed by Advantage Financial Credit Service Inc., Mr. Rinne hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Threatening legal actions not intended to be taken
- Failing to identify itself as a debt collector in all communications
The matter was dismissed at a later date.
Hire an Attorney
The phone number for this debt collection agency is 1-541-889-5060. If it appears on your caller ID during an incoming call, you are being called by Advantage Financial Credit Service Inc.. If they threaten legal action to scare you into paying and fail to identify themselves as debt collectors in all communications, hire a consumer attorney immediately, Mistreating people in this manner is against the law, and if you file a claim against Advantage Financial Credit Service Inc., you may be awarded $1,000 per FDCPA violation plus reasonable legal costs. You have rights that you should never hesitate to act upon.
*Case taken from PACER (www.pacer.gov). File number is Case 2:12-cv-01952-SI from the United States District Court for the District of Oregon.
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 Credit Service Inc. or any other third-party collection agency, you may not be entitled to any compensation.