Consumers have rights! Learn how to protect yourself against creditor abuse and harassment!
Are you getting constant and harassing phone calls about an overdue credit card account or cell phone bill? Are debt collectors threatening to talk to your boss or put a lien on your house?
Do they keep calling day and night after you have asked them to stop? If so, your rights as a consumer have been breached and you can demand compensation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect indebted consumers from bullying and harassment by third-party debt collectors.
It prohibits actions like the following when used to collect a debt:
- Using profane and obscene language
- Failing to identify themselves as debt collectors seeking to collect a debt
- Threatening action they cannot legally take or have no intention of taking
- Harassing you by telephone (e.g. calling and hanging up)
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Disguising the fact that they are debt collectors trying to collect a debt
Company Profile: Association Financial Services, LLC
If you are being called by Association Financial Services, LLC, information about the company is below.
Association Financial Services, LLC is a debt collection company located in Miami, Florida. It was established in 2006, has less than 10 employees, and is managed by CEO Ken Arnold.
Civil litigation records viewable at the PACER (Public Access to Court Electronic Records) website confirm that several consumers who believed they were being harassed by Association Financial Services, LLC enforced their rights in court.
Alleged Violations against Association Financial Services
Alina Bergan vs. Association Financial Services, LLC**
According to PACER, in late March 2011 Association Financial Services, LLC sent Florida resident Alina Bergan a collection letter that allegedly failed to provide the necessary debt disclosures and demanded an amount of $1,783.58 that, in subsequent demand letters, inflated into first $2,436.96, and then $2,819.84.
Feeling harassed by Association Financial Services, LLC, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to deliver the required debt disclosures
- Using false, deceptive and misleading means to collect a debt
- Misrepresenting the character, amount, or legal status of the debt.
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see either one on your caller ID when the phone rings, be aware that you are being called by Association Financial Services, LLC.
If the amount they attempt to collect from you increases with each demand letter, hire a consumer attorney. If you decide to file a claim against Association Financial Services, LLC and win your case, a judge could award you $1,000 per FDCPA violation plus court costs and reasonable attorney fees.
When you stand up for yourself, a debt collector could end up owing you money instead.
**Case taken from PACER (pacer.gov). File number is Case 1:12-cv-20278-JAL from the United States District Court for the Southern District of Florida, Miami 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 Association Financial Services, LLC, or any other third-party collection agency, you may not be entitled to any compensation.