Class Action Lawsuit Alleges Collection Agencies' Credit Card Offer Contains ... InsideARM
According to court documents Plaintiff Mark Myers received a mailed communication on July 12, 2010 with an offer from NCO Financial Services and GFS Financial Solutions that stated in bold print at the top, “Transfer your debt to a Pre-Approved+ MasterCard®!” The average consumer receives numerous credit card offers in the mail each month and may have perceived this offer, which was an attempt to collect a debt on behalf of the defendants, as a typical credit card application/offer, or junk mail and tossed it in the trash, and in the process, thrown away a communication that triggered specific rights under the Fair Debt Collection Practices Act.
Part and parcel of the FDCPA’s rights afforded to a debtor is what is commonly referred to as the “Mini-Miranda Warning”, a statement that identifies the name of the debt collector, the company they represent, and advises the debtor of his/her right to validate and dispute an alleged debt within 30 days. The Fair Debt Collection Practices Act mandates that each time a debtor is contacted by a debt collector via written communication, the “Mini-Miranda Warning” must be provided.
Arizona Debt Collections Agency
debtcollectionservices.com - Free Arizona debt collections agency advice and quotes to help you with your debt collections now. Are you annoyed ...
In Arizona, is it legal to record a phone call from a debt collection agency without informing them?
Do you have to tell them that the conversation is being recorded or get their permission to record it?
No you do not.
However, be careful the person you're recording is also in Arizona. The law of the other party's state would also apply.
Arizona is a "one-party" state, ARS 13-3005.A(1)(2), and also permits a telephone "subscriber" (the person who orders the phone service and whose name is on the bill) to tape (intercept) calls without being a party to the conversation and without requiring any notification to any parties to the call, ARS 13-3012(5)(c).
I'm less clear on the procedure if it crosses state lines (not being American) but I assume that federal law woud then take precedence and that is also "one-party".
don't worry there are online sites which solves your debt problem by getting you enrolled in online program and the entire process can be handled from the comfort and convenience of your home or office.you can always speak with one of helpful account specialists who are standing by to assist you with any questions that you may have. thanks.
how can I find out if certain collection agencies are licensed in Arizona to collect a debt?
Once I find out if they are or are not licensed in Arizona, what can I do from there? If they are not licensed here can they still send letters of collection?
To find if the collection agency is listed:
http://azdfi.gov/Lists/CA_List.HTML
There is also a link on that site for complaint forms concerning both licensed and unlicensed collection agencies.
edited to add
I have not seen any proof of exemption for out of state collectors.
If there is no exemptions for them, then they must be licensed.
That being said - just because I have not seen any proof of the exemptions doesn't mean there isn't any - I could have missed it. Check with AzDFI to be sure.
602-255-4421 ext 129
Collections agency calling, debt hasn't showed up on Credit report yet, how should I handle it?
Ok so I have a collections agency calling me because of some outstanding parking tickets at Arizona State University. It's only like $280 which I can pay but, after taking some pointers from this board, I want to make sure that I go about it correctly. People have said not to deal with collections on the phone and to make sure you get written notice of everything. i never received written notice of this because they sent it to my parent's house. I told the guy I would be more than happy to pay under the condition that he sends me a written contract that states that upon payment, the debt will be reported as paid in full to Arizona State University and will not be reported to any of the credit bureaus. He said he can't send me anything like that until I pay. What should I do? Basically what I told him today was that I needed a written notice for my records before I do anything and I gave him my correct mailing address to send it. Where do I go from here?
Another thing: After reading the Fair Debt Collection Practices Act I'm wondering if I can still dispute the debt. They sent it to my parent's house, not to my house, and I'm sure thirty days has passed since they got it...i briefly remember them telling me about it a couple of months ago. I told the guy on the phone that I did not receive any written notice and that it was sent to the wrong address. Does this mean my 30 days starts over once he sends it to me real address?
I just called Arizona State to verify that this agency is in fact one of their collection agencies and they said it was. They did say however that I could pay them and they would report it to the collection agency as paid. I asked if this would then show up on my credit report and they said they did not know as it is up to the collection agency to report it or not. I'm not sure if i should pay it ASAP and just hope it never shows up on my credit report or try and get proof that it will not show up (like a payment contract)
I would not pay them without something in writing saying they will not report this to the credit bureau. If you pay the debt without this letter how can you be sure this collection company is going to keep it's promise?
They can fax or mail a letter to you no problem so if they're giving you a hard time about it, that seems like a bad sign.
Get your ppwk first and then pay your debt.
In other words, pay it and then followup with them to get the note.
You know you ow the money though, and it would be far better to pay now, then to have them report it on your credit report.
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Can you publish the names of deadbeat customers in Arizona?
I know that debt collection agencies can not publish the name of creditors. As a small business operator, can I publish and post the names of deadbeat clients that are in breach of contract due to non-payment?
As long as the information is truthful and not libelous (such as "Listed below are the scumbags that intentionally stiffed me out of money"), you may publish a list of people that owe you money under contract.
Will debt collection agencies soon be allowed to call cell phones?
One of the main reasons why so many people seek the fresh financial start offered by either Chapter 7 bankruptcy or Chapter 13 bankruptcy is the automatic relief it provides from overly aggressive and discourteous debt collection agencies.
However, even if a debtor has not yet decided to file for bankruptcy, he or she is still entitled to some basic legal protections. For example, the Fair Debt Collection Practices Act (FDCPA) prohibits debt collection agencies from using abusive, deceptive or even unfair practices to collect debts. Similarly, debt collection agencies are currently subject to certain restrictions when it comes to cell phones.
Specifically, while debt collection agencies can call cell phones to inquire about money owed, they can only do so when they manually enter the number. While this may perhaps seem like a rather insignificant obstacle, consider that many debt collection agencies rely upon automated dialing systems/auto-dialers to make contact with as many people as possible.
In recent developments, this may soon change, as politicians on Capitol Hill appear poised to introduce widespread reform to the laws governing debt collection and cell phones.
In his latest deficit reduction plan, President Obama is calling for the law to change so that those who have defaulted on money owed to the federal government - student loans, taxes, government-sponsored mortgages, etc. - may be contacted via their cell phones.
More significantly, a bipartisan bill calling for an end to the ban against debt collection agencies using auto dialers to contact consumers via cell phones is currently making the rounds in congress.
Consumer advocates fear that if such measures are adopted, debt collection agencies - the industry that is the subject of the most complaints at the Federal Trade Commission (FTC) - would immediately begin harassing consumers.
"You give them any opportunity to call cell phones, they not only will do what is allowed but what is not allowed," said Lauren Sanders, a managing attorney with the National Consumer Law Center. "This is one of the most abusive industries in the country."
...agency arizona collection debt - News
Jarred Lenders See Auto-Loan Delinquencies Rise - Ward's Auto (subscription)
Ward's Auto (subscription)Jarred Lenders See Auto-Loan Delinquencies Rise With more loans breaking down, lenders are increasing and prioritizing their collection efforts. The greater the debt, the greater the attempt to get the
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Poor, struggling drew his concern - Arizona Daily Star Poor, struggling drew his concern In the mid-1980s, he chose a seemingly incongruous way to help those struggling to get by — becoming a collection agent for overdue medical bills. |
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Television movies for the week of Jan. 11 - Pittsburgh Post Gazette Television movies for the week of Jan. 11 Events spiral out of control when a debt-ridden mechanic and his brother agree to kill their wealthy uncle's business associate in exchange for money. |
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United Recovery Systems Acquired by Private Equity Group - InsideARM United Recovery Systems Acquired by Private Equity Group Major debt collection agency URS will be acquired by private equity firm Audax Group. URS focuses on bank card collections and employs more than 1000 |
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Television movies for the week of Dec. 28 - Pittsburgh Post Gazette Television movies for the week of Dec. 28 A man elopes with a millionaire's daughter in her father's Rolls-Royce with a collection of fortune hunters in pursuit. (PG) (1:30) TCM: Mon. |
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