Is AIS Services LLC Calling You? Here's what you need to know.
When you’re behind in your bill payments and debt collectors are calling constantly, you likely don’t feel in control of the situation. As a result, you may end up making settlement promises that you can’t keep, or a payment plan that you can’t afford. Don’t let yourself be scared or intimidated by persistent or aggressive debt collectors: even if you do owe money, you have rights.
The Federal Trade Commission (FTC), which is the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to be unfair, deceptive, or abusive when trying to collect money from you. The law defines debt collectors as people or agencies who collect debts owed to others.
- Collection agencies
- Lawyers who collect debts
- Companies that purchase debts and try to collect them
Although collecting a debt is legal, unethical and deceptive behavior is not. Below is a list of activities that debt collectors may not undertake when dealing with you.
- Call you before 8:00 a.m. and after 9:00 p.m. your time
- Call you at work if you’ve already told them that your employer does not allow such calls
- Hide the fact that they ate debt collectors
- Threaten, harass, or deceive you
- Call you when an attorney is representing you regarding the debt
- Keep contacting you even after you have requested that they stop
- Talk to anyone except you, your spouse, or your attorney about the debt
- Misrepresent the amount you owe
AIS Services LLC is a debt collection agency with offices in California, Delaware, Texas, and . Its corporate profile on Manta.com indicate that it has been in business since 2005 and has dozens of employees working out of the different offices. Files retained by PACER (Public Access to Court Electronic Records) confirms that AIS Services LLC has been named as a defendant in several US District Court cases involving FDCPA violations.
Mary Fullilove v. AIS Services, LLC
According to PACER** Mary Fullilove was contacted by debt collectors from AIS Services LLC in February 2008. They were attempting to collect a delinquent debt for FCNB (likely First Consumer’s National Bank), who believed that a store credit card had been issued to Ms. Fullilove.
Ms. Fullilove insisted that she had never had such a card, and that if one had been issued, it was the result of identity theft. At her direction, one of her attorneys wrote to AIS indicating that she disputed the validity of the alleged debt. When AIS received the correspondence, it allegedly did not address Ms. Fullilove’s claim that the account was a result of identity theft. Instead, the company sent another collection letter directly to her in January 2009, even though she was was represented by an attorney. She filed suit, claiming that she did not agree to being contacted by AIS after having retained an attorney, and under the FDCPA she was entitled to no further direct communications from the agency.
The matter was later settled.
What to do if you get ‘the call’
If you get calls from 1-888-920-1300, AIS Services LLC is probably trying to collect payments on a delinquent account that is in your name. Request validation of the debt, and if you believe that identity theft was the issue, advise the debt collector accordingly. If they refuse to validate the debt, threaten to have you arrested or garnish your wages, or harass you with repeated calls, see a consumer attorney.
Because such tactics are prohibited by the FDCPA, you can sue the debt collector and win up to $1,000 per FDCPA violation, as well as court costs and attorney’s fees. Remember at all times that you have rights as a consumer, and do not hesitate to call upon them if a debt collector crosses the line.
**Case taken from PACER (www.pacer.gov). File number is Case (Case: 1:09-cv-02292, United States District Court, Northern District of District of Illinois, Eastern Division)
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against AIS Services LLC or any other third-party collection agency, you may not be entitled to any compensation.