Debt collectors often break the law without their victims realizing it. They fail or refuse to validate a debt. They ignore a dispute letter and report the debt as valid to the credit bureaus. These attempts at harassing you are illegal and an attorney can help you stop it.
What Your Rights Are
Under the law, third-party debt collectors are not allowed to threaten or bully you into paying a debt. The Fair Debt Collection Practices Act, or FDCPA, is a federal law that heavily penalizes companies whose collection tactics include:
- Threatening to have you arrested
- Discussing the debt with uninvolved third parties
- Using foul language
- Not validating the debt
Company Profile: AMA Collection Services
If you are being called by AMA Collection Services, more information about the agency is below.
AMA Collection Services, which also does business as Thompson, Mahan & Associates, is a debt collection agency in San Leandro, California. It opened for business in 1978, has 14 employees, and is managed by CEO Richard Mahan.
A close inspection of legal files at the PACER website reveal that consumers who thought that they were being harassed by AMA Collection Services refused to pay.
Alleged Violations against AMA Collection Services
According to PACER, on or around March 24, 2007, AMA Collection Services allegedly sent a collection letter to a California consumer in an window-style envelope that made account information visible. He sent the agency a letter disputing the debt and refusing to pay, but the collection attempts allegedly continued.
Feeling harassed by AMA Collection Services, the consumer took legal action against the company for allegedly:
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Making debt information visible to third parties
The matter was later settled.
Work with an attorney
The phone number for this debt collection agency is 1-510-638-7157. If it flashes on your caller ID at any time of the day or night, it means that AMA Collection Services is trying to collect money from you. If they send you a demand letter in an envelope that makes your debt details visible and ignore your dispute, hire a consumer lawyer and filing a claim against AMA Collection Services.
Don’t be intimidated by a collection agency that breaks the law: file a lawsuit that can get you the compensation you deserve.
Case taken from PACER (pacer.gov). File number is Case 4:07-cv-06421-PJH from the United States District Court for the Northern District of California, San Francisco / Oakland 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 AMA Collection Services or any other third-party collection agency, you may not be entitled to any compensation.