Falling behind on your debts and seeing the arrears add up is a stressful situation for anyone to be in, especially if debt collectors are chasing you for the outstanding balance. Fortunately, you still have rights no matter how much money you owe.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects indebted consumers from harassment by third-party collection agencies.
These companies are prohibited from using tricks and tactics like the following to make you pay:
- Calling you at an inconvenient time, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Pretending to be attorneys or police officers
- Discussing the debt with uninvolved third parties like your friends, family and neighbors
- Swearing and screaming at you
- Telling you that you will lose your house if you don’t pay
- Calling solely for the purposes of harassing you
Company Profile: AIS Recovery Solutions, LLC
If you are being called by AIS Recovery Solutions, LLC, here are some additional details about the agency.
AIS Recovery Solutions, LLC is a debt collection agency located in Oklahoma City, Oklahoma, with a branch office in Irving, Texas.
It was founded in 2012, has less than 10 employees, and is managed by its owner, Hogan Blake. Civil litigation records accessed via the PACER website suggest that many consumers who believed they were being harassed by AIS Recovery Solutions, LLC sued the agency to protect their rights.
Alleged Violations against AIS Recovery Solutions, LLC*
According to PACER, on or about August 8, 2013, AIS Recovery Solutions, LLC attempted to collect a cell phone debt from an Alabama consumer by filing a proof of claim against him in his bankruptcy case seeking to collect the sum of $69.96. The account open date was August 17, 2001, making the debt time-barred.
Feeling harassed by AIS Recovery Solutions, LLC, the consumer hired consumer lawyer and sued the collection agency for allegedly:
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for AIS Recovery Solutions, LLC is 1-877-817-2554. If you see it on your caller ID, it means that AIS Recovery Solutions, LLC is on the line.
If they try to sabotage your bankruptcy case by pursuing a time-barred debt, hire a consumer attorney and file a claim against AIS Recovery Solutions, LLC.
Such conduct is unethical and illegal, and if you win your case, you could receive $1000 in statutory damages under the FDCPA plus court costs and even punitive damages.
When a collection agency tried to take advantage of you, let your next call be to an attorney.
*Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-00325-WS-M from the United States District Court for the Southern District of Alabama, Southern 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 AIS Recovery Solutions, LLC or any other third-party collection agency, you may not be entitled to any compensation.