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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By Amerifinancial Solutions, LLC?*

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Many people find themselves in the difficult position of owing money on their credit cards, student loans, and other debt but not being able to repay until their financial situation improves.

Although no one should be ashamed of this situation, too many debt collectors belittle, harass, and intimidate indebted consumers. Fortunately, the law protects you when collection agencies fail to treat you with dignity and respect.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers against abuse, harassment, and deception by debt collectors. It provides that if a collection agency violates your rights under the FDCPA, you have a right to bring a lawsuit against it and demand compensation for using tactics like the following:

  • Swearing and calling you names
  • Threatening legal actions that they have no intention of taking
  • Threatening to call your payroll department and tell them you owe a debt
  • Calling you constantly
  • Pretending to be police officers, government officials, or any other law enforcement figure
  • Failing or refusing to prove a debt exists and they are authorized to collect it

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Company Profile: Amerifinancial Solutions, LLC

If you are being called by Amerifinancial Solutions, LLC, information about the company is below.

Amerifinancial Solutions, LLC is a debt collection company located in Baltimore, Maryland. It was established in 2007, has approximately 20 employees, and is managed by its President, Elizabeth A. Miller.

Its website suggests that it is mainly a medical debt collection agency, and it presently has a B rating with the Better Business Bureau.

Records retained at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Amerifinancial Solutions, LLC hired consumer lawyers to protect their best interests.

Are You Being Called By Amerifinancial Solutions, LLC?*

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Alleged Violations against Amerifinancial Solutions, LLC

According to PACER, in or around June 2017 Amerifinancial Solutions, LLC started trying to collect a medical debt from a Connecticut consumer. He disputed the claim, saying that his medical insurance covered the bill, but the company allegedly reported the debt to the credit bureaus and did not record it as disputed.

The consumer also discovered that Amerifinancial Solutions, LLC was not licensed to collect debts in Connecticut.

Feeling harassed by Amerifinancial Solutions, LLC, he hired a consumer lawyer and sued the company for allegedly violating the FDCPA in the following ways:

  • Failing to report the debt as disputed to the credit bureaus
  • Using false, deceptive and misleading means to collect a debt
  • Using unfair and unconscionable means to collect a debt

The matter was later dismissed.

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Hire a Lawyer

The phone number for this collection firm are:

If you see any of these numbers on your caller ID, it means that you are being called by Amerifinancial Solutions, LLC. If they chase you for a debt you don’t owe and don’t report your dispute to the credit bureaus, hire a consumer lawyer.

If you file a claim against Amerifinancial Solutions, LLC and win, you could potentially be awarded $1,000 per violation as well as lawyer’s fees, court costs, and any actual damages. If collection agencies don’t follow the rules, even if you owe the money, they can be held responsible for violations of the law.

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Additional Resources

Case taken from PACER ( File number is Case 3:18-cv-00891-VAB from the United States District Court for the District of Connecticut.

*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 Amerifinancial Solutions, LLC, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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