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Debt Collection
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Updated on Author: Contributor: Sergei Lemberg

Is Niagara Credit Solutions Collecting a Debt from You*

If you ever get behind on your payments for your credit cards, loans, or other bills, creditors will use debt collectors if enough time has passed. These collection agencies may be hired by the creditors to get the money back from consumers, like Niagara Credit Solutions, or they may buy the debt and collect it for themselves.

Niagara Credit Solutions is a national collection agency located in Williamsville, New York. With less than 200 employees, the company pride itself in providing its customers with results, citing its experienced collectors. It specializes in the recovery of credit card debt and consumer, student, and auto loans.

Because of the rising abuse of debt collectors, in 1977 the Federal Trade Commission passed the Fair Debt Collection Practices Act (FDCPA), which restricts what agencies are allowed to do when dealing with consumers. They can’t lie to you about who they are or the company they are collecting for, harass you by calling you constantly or at times you told them not to, use rude or obscene language when speaking with you, tell others about your debt, or threaten legal action can’t they aren’t going to take.

When Niagara Credit Solutions contacts you for the first time, after informing you of their company and who they are collecting for, they must send written notice within 5 days of your phone conversation. If you request a verification of the debt within 30 days of receiving written notice, they must send it to you or they can’t contact you again.

Laws Niagara Credit Solutions Has Been Accused of Breaking

Niagara Credit Solutions has been accredited with the Better Business Bureau (BBB) since 2011 and the website boasts the company has “an environment that embraces positive communication and rewards ‘Customer Friendly’ behavior. However, they’ve received many complaints through the BBB and other consumer report websites and have lost court cases due to their violations of the FDCPA.

Allegedly, Niagara Credit Solutions collectors has*:

  • Lied about previously contacting consumers
  • Tried to collect from the wrong person
  • Threatened legal action it can’t take
  • Were rude on the phone, yelled at consumers, and hung up on them
  • Taken payments without removing the debt from credit reports
  • Made fun of consumes accents
  • Called consumers at work and harassing family members
  • Were careless with personal information
  • Did not disclose to the consumer that they were debt collectors

What to Do if Niagara Credit Solutions is Trying to Collect a Debt from You*

If you feel Niagara Credit Solutions is treating you unfairly or if the debt doesn’t belong to you, you have the right to tell the company to stop contacting you. You must send the request in writing and make sure to get proof of delivery so you know exactly when they received it. Each time they call, text, email, or send you a letter after this is a violation of the FDCPA.

After a stop contact request, they are only allowed to contact you two more times to let you know they received and it they won’t call you again or to take legal action or another specific action against you. You should keep track of every time Niagara Credit Solutions contacts you before and after you send the request, especially if the calls are excessive. If you find the collectors are being rude, start recording their phone calls.

Keep in mind that if the debt is yours, stopping contact will not get rid of the debt. It may hinder their ability to negotiate with you and you could be summoned to court without warning if you try to ignore them.

Another way to stop getting calls is to hire a qualified FDCPA lawyer. Once you hire a lawyer, collectors are only allowed to call your lawyer, not you. Your attorney will have a deep understanding of the FDCPA and can help you settle with Niagara Credit Solutions or represent you in court. If the company is convicted of violated the FDCPA, you could be entitled to up to $1,000 per violation.

*According to

Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Niagara Credit Solutions or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributor: 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 Contributor: Sergei Lemberg
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