Are you being called by American Accounts & Advisors, Inc.?* Here's what you need to know
Are you several months behind on your regular monthly debt payments? If so, you may eventually be contacted by a debt collector. While they are legally permitted to try collecting the debt, using bullying and harassment to do so is against the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, gives people the right to dispute a debt and tell collection agencies to cease contact. It also prohibits the use of collection methods like those below”
- Using profane and obscene language
- Refusal to provide you with information about the debt
- Threatening to have you arrested
- Calling you at work after you’ve told them that your boss does not allow such calls
- Discussing the debt with anyone but you, your spouse, your attorney, and any debt co-signers (if applicable)
- Demanding amounts that exceed the original debt
Company Profile: American Accounts & Advisors, Inc.
If you are being called by American Accounts & Advisors, Inc., information about the company is below.
American Accounts & Advisors, Inc. is a debt collection office located in Cottage Grove, Minnesota. It was established in 1986, has approximately 50 employees, and is managed by its President, Bryan McGroarty. Records retained by the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by American Accounts & Advisors, Inc. challenged the company’s claims in court.
Alleged Violations against American Accounts & Advisors, Inc.
Katelynn Hubbell vs. American Accounts & Advisors, Inc.*
According to PACER, American Accounts & Advisors, Inc. sent Minnesota resident Katelynn Hubbell a collection letter dated January 10, 2013. It stated that her alleged account had been sent to it for “PAYMENT IN FULL.” Then, on or about February 14, 2013 she received a collection letter that stated as as follows:
“WE REGRET THAT THE ACTION NOW BEING TAKEN BECAME NECESSARY. WE HAD HOPED THAT WE MIGHT WORK THIS OUT ON A VOLUNTARY BASIS. APPARENTLY, THIS IS NOT POSSIBLE.”
Frightened, Ms. Hubbell called American Accounts & Advisors, Inc on or about February 28, 2013 and spoke with a collector who identified himself as “Amir” and who admitted that no “additional action nor any legal action was being taken” against her.
Feeling harassed by American Accounts & Advisors, Inc., Ms. Hubbell hired a consumer attorney and sued the company for allegedly violating the FDCPA by using false, deceptive, and misleading means to collect a debt.
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection company are as follows:
If you see either of them your caller ID when the phone rings, it means that you are being called by American Accounts & Advisors, Inc.. If they imply that a lawsuit is coming to bully you into paying, hire a consumer attorney who can help you file a claim against American Accounts & Advisors, Inc. If you win your case, you may be awarded $1,000 per FDCPA violation plus any applicable fees and damages. When a collection agency tries to bully or deceive you, penalties result.
*Case taken from PACER (www.pacer.gov). File number is Case: 0:13-cv-01157-MJD-FLN from the United States District Court for the District of Minnesota.
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 American Accounts & Advisors, Inc., or any other third-party collection agency, you may not be entitled to any compensation.