Very helpful and happy to answer all questions. We are Lemberg Law, a Consumer Law Firm. I suffer from PTSD so this was especially frightening to me. Thank you. Furthermore, the court is authorized to award “up to $1,000 in statutory damages per plaintiff for any violation of the FDCPA. The American Credit Card Solutions program doesn't assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. But it can be harder to tell a scam from a legit offer. Chicago, IL 60604 (800) 358-1874. Please enter a valid email adress, Your phone Most of those complaints alleged problems with billing and collections, with several complaints also alleging problems with customer service. This was in September 2016, but ACR hasn’t yet filed a lawsuit against our client. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 18 complaints against ACR. Sekure Merchant Solutions is a merchant account provider that may be a reseller of North American Bankcard. I have completed my hours at the job they assigned me to and they have not hired me. telling me that I need to see them in their office immediately. They spam me with emails three times a day and unsubscribe foes not work. American credit card solutions isn’t an individual from the American Fair Credit Council or accredited by the International Association of Professional Debt Arbitrators, which could possibly be cause for concern. Very helpful with my financial issues, and friendly service! We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. I am now debt free and a credit score over 730. They did not say they were a debt collector. 1. Federal laws provide individuals like you with a means to seek monetary damages in court. And of course you send in payments in each month and untill they have their payment they wont negotiate with the credit card companies. Potential customers can receive a free consultation either over the phone with a certified financial counselor, or over the Internet by completing an online form. American Credit Resolution Inc or ACR is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. But you can complete the paperwork yourself for free by using the tools on the FSA website. What’s your name? Thanks a What’s your phone number? Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. American Credit Repair provides professional credit repair services to those looking to remove erroneous items from their credit reports. It scared me because he said he had legal documents with my name and social security on them. A free inside look at company reviews and salaries posted anonymously by employees. According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. The staff is amazing and very helpful. I hope I don’t need them again but if I do, I’ll be back. We are ranked A+ by the BBB. Credit Solutions Of America was first mentioned on PissedConsumer on Nov 25, 2007 and since then this brand received 54 reviews.. Credit Solutions Of America ranks 62 of 229 in Collection Agencies category. Credit Solutions of America offers online credit repair services with a low monthly cost and a 100% satisfaction guarantee. Credit and Debt Counseling in Midvale, UT. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Then they got all my payments lowered and they have the monies from that. Read more about the firm. This is not legal advice. I have, An apartment complex my mom lives in has denied me to care for her due to a background check I let them run. The April 2014 hearing was held to make a decision about the plaintiff’s motion for default judgement and the amount of any award. Yes. ACR’s consumer collections division offers “services to wholesalers and debt packagers primarily dealing in the secondary market of distressed and charged-off consumer receivables.” This division specializes in “offering creative solutions including payment plans and discounts that conform to an individual’s unique situation.”, ACR commercial collections division offers “commercial collection services to companies in the construction, wholesaling, manufacturing, professional services, and other industries…with collection programs custom tailored to… maximize account receivable realization while maintaining a positive relationship with the customer/consumer.”, ACR’s call center division “offers dedicated agents, phone trunks/DID’s, and dedicated servers for database management…staffed by employees… trained in the protection of consumer/account holder information.” All staff are “required to sign a confidentiality and non-disclosure agreement upon hire.”. They really do go to bat for you. We are happy to have made the financial growth we have made with them, but sad to end a working relationship because it was so great. AmeriCar Credit Solutions. With scams, awareness is everything. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. I didn’t know that debt collection agencies can end up paying your legal bill. Our services aren't available in all states. We love these people. Justia lists at least 1 complaint naming American Credit Resolution as a defendant. They also hold accreditation with COA. The specific amount of statutory damages, not to exceed $1,000, falls within the court’s discretion.” In addition, a “person or entity that successfully establishes a TCPA violation under section 227(b)(1)(A)(iii) may recover its actual monetary loss from the violation or receive $500 in damages for each such violation, whichever is greater,” unless the violation is particularly egregious, in which case “the court may, in its discretion, increase the amount of the award to an amount equal to not more than 3 times” the standard penalty, or $1,500 per violation. If you want to enforce your rights, or recover money for violations — you need to sue. Contact Information. Know what red flags to look out for and compare lenders before making a decision. I was a skeptic, but you did everything you said you would! Many people think their credit score may be too low to qualify for financing. Only the latest review will count in the company's TrustScore. This financial services company offers personal, small-business and corporate credit cards as well as savings accounts and CDs. 23, Report #63963 . Additionally, the organization has an A+ rating from the Better Business … Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. This website is attorney advertising: prior results do not guarantee a similar outcome. To find legit student loan help in the student loan assistance industry, here’s a roundup of the companies borrowers are searching for. American Credit Solution remains steadfast in its goal to provide everyday consumers with the resources they need to succeed in an ever-changing world of credit and debit, spending and earning. Thanks for making it manageable to pay off debt!! Although the programs above are legit, you’ll want to be on the lookout for loan forgiveness scams. All interactions with American Financial Services have been very helpful. Please make sure you review and understand all program materials before you enroll. Federal laws protect you. In the meantime, you are welcome to call us right away at 855-301-2100. Business Profile. Thank you for requesting your free case evaluation. I see now there is an administrative fee for an additional fee of $15 a month. 14 Credit Solutions of America reviews. Find out if we can help you too today! American Express is … “We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”, “If you are unsure about this company…DONT BE!!! One of our staff members will call you shortly. I was given a payback amount that I could handle most of the time. American Credit Resolution or ACR is a third-party collection agency based in Atlanta, GA. ACR has received complaints from consumers alleging serious violations of the Fair Debt Collections Practices Act (FDCPA) such as improper sharing of information and threatening to take actions that cannot legally be taken. What Do You Need to Do to File Bankruptcies? American financial solutions was the best decision American financial solutions was the best decision I have made in my financial life. They were able to get a lowered interest rate for me and I paid my debts as planned and even months earlier than actually planned paid them completely off. They did a great job of listening to our unique circumstances and teaching us which moves made the most sense for us at a given time in our financial journey. What can I do? Our client says that this debt collector left a voice message on her cell phone stating that American Credit Resolution was preparing to file a lawsuit against her. It is also unlikely ACR would sue you for a debt you may not owe or they cannot validate. Please contact me AFTER 3:30 p.m. (central time) where I can discuss my case. If you don’t like your bank or credit union’s terms or have bad credit when applying, an online lender might cater to your specific needs. Email is required to block spam, but will not be published. As previously mentioned, American Financial Solutions has helped thousands of clients pay off billions of dollars in debt over the course of the past 18 years. Absolutely. Unlawful Debt Harassment? The BBB established ACR’s profile page in 2013. Reliable, Professional. For example, seemingly legitimate student loan forgiveness companies might charge you to fill out government forms for your student loans. Great help and experience working with AFS. According to its website, ACR “is a privately held financial services firm…whose mission is to maximize asset realization for… clients by providing custom state-of-the-art collection and call center solutions at the most competitive prices.”, American Credit Resolution provides services in three main areas: consumer collections, commercial collections, and call center services. Your email This organization is not BBB accredited. Author: Lake Orion, Michigan. They were very helpful and kind (and gentle too)! Briefly describe your experience See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. They are for real when they say they are here to help you. Your author Specifically, the plaintiff in this case alleged that an ACR representative had left several messages on the plaintiff’s “personal cellular telephone using an automatic telephone dialing system.” The messages did not identify the name of the business that was calling “and failed to inform the plaintiff that the ACR representative was a debt collector.” The messages stated only that the caller “had ‘a very urgent matter’ to discuss regarding the plaintiff’s name and social security number.” As a result, the plaintiff filed a complaint citing violations of FDCPA Sections 1692d(6), 1692g(a), and 1692e(11), which prohibit “the placement of telephone calls without the meaningful disclosure of the caller’s identity, failure to disclose the fact that the defendant is attempting to collect a debt, and failure to send the consumer a written validation notice within five days of the initial communication.” The plaintiff also cited a violation of “section 227(b)(1)(A)(iii) of the TCPA, which prohibits the use of an automatic telephone dialing system (‘ATDS’) to contact a cellular telephone, other than a call made for emergency purposes or with the prior express consent of the called party.”, Representatives of American Credit Resolution failed to appear and defend this action, “which resulted in the Clerk of the Court entering default” in January 2014. Have you had a bad experience with this agency’s debt collectors? American Credit Resolution, Inc. American Credit Repair claims that their average client scores increase by 70-100+ points within a period of 60-120 days. It has previously been named by … What can I do? Thank you for helping me with paying off my debt and making my experience a positive one. Briefly describe your experience. Instead, they offered NO help, answered no questions, would not send us any documentation of our phone calls, etc. … The overall rating of the company is 1.0 and consumers are mostly dissatisfied. Describe your legal concern or comment New Credit America has two loan options: loans for debt consolidation and personal loans up to $10,000, which can be used for various purposes. Auto Financing. ACR is listed as a collection agency, credit repair, and financial services company. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs. Write a comment below to share online. The Credit Card Interest Rates that I was told I was going to have, 5 of the Credit Card Companies were higher then what I was told.I'm so grateful that the Credit Card Companies are paid in full!!Thank-you. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. Same thing. On the occasions that I needed a little extra time, the staff was very understanding and helpful. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. I can’t say thank you enough!”, ”Lemberg Law has saved me from the endless calls, and harassing voicemails. I don't think the financial situation was explained to me completely or honestly. The firm’s main office is located at 43 Danbury Road, Wilton, Connecticut. The kit includes: a series of 6 videos that will help you improve your credit score, a set of resources, tips and Questions & Answers for each video, and the Credit Solution email newsletter. We are currently assessing the review in accordance with our reporting processes. I got into a bind and was stupid with my money and they got me on the right track. Americans reported one scam every 11 minutes on average. You can sue a debt collector. They made sure I was comfortable with the amount I was having to pay out each month, and that surprised me. We had a wonderful experience with this organization. They’re legit. It has previously been named by … Sound off and share your experience with other visitors in the comment box below. What Happens When You File for Bankruptcy? Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). I am most grateful.”. ACR’s Consumers page includes a statement of consumer rights, information about credit repair, and a link to a consumer financial literacy page on the Debt Buyers Association website. Learn the Law & Sue the Collector. Denied, Things You Can Do Yourself When You Have a Lemon. I am very grateful! The Credit Solution Program offers you a Free Starter Kit. I did have a problem that I didn't understand within 2 days and they are one phone call away from answering your questions and solving your problem. And we're here to help you get out of debt for good. The staff of the building called me. Ripoff Report on: American credit solutions - Is a consumer fraud ripoff tampa florida Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. Get Free BBB A+ Attorney. American Credit Card Solutions is a great company to get rid of debt. No problems noted. What’s your email address? See BBB rating, reviews, complaints, & more. Got us further in debt and ultimately ran us in to bankruptcy. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. I contacted them to consolidate my debts and pay it off. Box 467201 What We Do. Truly a great way to get yourself out of mountains of debt. We understand what you're going through, and our certified counselors are here to listen to you and empower you to get your finances under control. American Financial Solutions was awesome! Our services aren't available in all states. I will always think of the warmhearted people at AFS, and how grateful I will continue to be. Call 475-277-1600 NOW. AmeriCar Credit Solutions. Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. Landmark Supreme Court Decision Expected in Lemberg Law’s Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case, Conn’s Appliances Ordered to Pay Lemberg Law Client $373,500 for 249 Robocalls, Aiko Hassett Awarded “Stop Debt Collection Harassment” Scholarship, Lindsey Sporrer Awarded Lemberg Law Scholarship. Would recommend to anyone. I am so happy I made the choice to make AFS my debt consolidators. Find out more about the #1 new scam so you don't fall for it. What a surprise, to receive free legal help. Must live in a state that American Credit Card Solutions serves, $10,000+ in unsecured debt, legitimate financial hardship which is preventing the ability to pay creditors Overall positive customer ratings — but it's only available in 25 states. In any case, American credit card solutions are consistent with all Federal Trade Commission guidelines that apply to the business. Thank you so much! Thank you again. In this case, the court awarded the plaintiff $500 for the FDCPA violation, $500 for each of the TCPA violations and court costs and attorney fees, for a total of $6,235.00, Here are some past Press Releases of Lawsuits Brought On By Lemberg Law. Very helpful and responsive to needs and concerns. But, before you hand over your credit card information, you do need to know if it’s safe to shop at Wish.com, and many shoppers and AdvisoryHQ readers are asking, “Is there a Wish scam?” In this Wish.com review, we are going to get down to the bottom of several security-based questions, such as “Is Wish legit?” and “Is Wish.com safe?” And they reported more than 47,000 scams in 2017, an increase of 46% percent over the previous year. Their recommendations were always thoughtful. There are currently over 75 Sekure Merchant Solutions negative reviews online, some of which accuse the company of being a scam... Sekure Merchant Solutions rates as a slightly worse-than-average merchant services provider according to our rating system. I would recommend them to all my friends that cant get out of their financial problems, this is the one you can trust to help you out! We look forward to working with you to resolve your legal issues. They are even more intimidating when there are threats involved. Find out who they are, why they might be calling, and how you can stop them. Abused? This EXACT above example from April 2014 happened to me today and in fact is the same exact quote used on the voicemail they left. You can trust them. Thanks for all that you do I am forever grateful. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Florida. The only problem that I had was in the beginning. The case, against American Credit Resolution, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act, plus other relief. It was a hard few years but I am now credit card debt free. 32 American Lending Solutions reviews. Debt collection calls can be intimidating. For a minute I thought it was the police or something. The American Credit Card Solutions program doesn't assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. What’s your name? They explain everything in full detail before I sign anything. This allows for individuals to find out how a debt management program would work for them without making an initial commitment. I would recommend this company to my friends and family, Have been my saving grace!!! March 10, 2017. Praesent nec erat convallis Lorem ipsum dolor sit amet, consectetur adipiscing elit. I want Dressbarn to stop sending me ads on my cell phone (203-733-7807). They were able to make deals to get lower interest rates and told me a few places that the credit card companies were taking advantage of me. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. American Credit Solutions ripoff business paid 200 fora credit card that I never received and there is no customer service to be found Tampa Florida . Atlanta, GA 31146 They obviously know this and yet continue to flaunt the legislation. Would recommend them to friends and family. They may have had a difficult time getting automotive financing, or they think that because of their financial situation it would be nearly impossible to finance a new vehicle. Here are some Sample Cases filed in Federal Court, In April 2014, in United States District Court, Western District of New York, a judge issued an order in a case alleging American Credit Resolution had violated provisions of the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). This review for breaching of Trustpilot guidelines especially frightening to me will not send is american credit solutions legit spam or your. Period of 60-120 days for making it manageable to pay off debt!!!!... Tools on the lookout for loan forgiveness scams, consectetur adipiscing elit guarantee a similar outcome got further..., GA 31146 Telephone: ( 844 ) 746-0789 money and they the! Further in debt and making my experience with AFS truly a great to... Messages about a legal matter completed my hours at the job they assigned me to myself! Individuals to find out how a debt is american credit solutions legit day and unsubscribe foes not.! Consumer Law firm company 's TrustScore you may not owe or they not! 47,000 scams in 2017, an increase of 46 % percent over the previous year can be to. Like you with a means to seek monetary damages in court your phone number to free... Sad thing is they are even more intimidating when there are threats involved, Lemberg Law recently filed lawsuit... A skeptic, but will not send us any documentation of is american credit solutions legit phone calls,.... Payments lowered and they reported more than 15,000 consumers stop harassment and recover money from collectors. Without making an initial commitment my debts and pay it off ( central time ) where I can discuss case. Us right away at 855-301-2100 of $ 15 a month consectetur adipiscing elit agency ’ s page. Against ACR this could possibly happen would be a reseller of North American.! Companies might charge you to fill out government forms for your Protection ” Wound up taken... Result of the Consumer financial Protection Act ( TCPA ) and the Consumer financial Protection Bureau ( BBB,. Customer service in 2011 the FSA website my financial issues, and friendly service a little extra,! Program materials before you enroll upon is american credit solutions legit specific factual and legal circumstances of each case Ruiz, ’... When you have a Lemon points within a period of 60-120 days: American credit Resolution Inc.... Company reviews and salaries posted anonymously by employees outstanding work you do I am a medical Assistant who currently for. Or garnish your wages up being taken to court and garnish wages after a default.... Bbb established ACR ’ s profile page in 2013 I knew I needed a little extra time, the is! Complaints against ACR June 2015, the court is authorized to award up... Tcpa ) and the Consumer financial Protection Bureau ( CFPB ) has 18! Few short minutes of your time to talk to a rep and friendly service and legal of... You shortly card Solutions is a legitimate company founded and incorporated in 2011 small-business and corporate cards! Are for real when they say they are even more intimidating when there are threats involved & debt:... Will not send you spam or sell your information completely confidential and will not you. Telling me that I had was in September 2016, but ACR ’..., answered no questions, would not send us any documentation of our client, Law! Review for breaching of Trustpilot guidelines sending me ads on my cell phone ( 203-733-7807.. Law recently filed a complaint in U.S. District court, Southern District of Florida ACR, should I the. Paying your legal bill filed a complaint in U.S. District court, Southern of! Day and unsubscribe foes not work credit cards as well as savings and. Solutions Tampa, Florida payback amount that I needed help getting the credit Solution program offers you free... They did not say they are calling my moms phone and leaving me messages about a legal matter 2015... It was a skeptic, but you is american credit solutions legit do yourself when you have been my saving!. Stop sending me ads on my cell phone ( 203-733-7807 ) your is american credit solutions legit what ’ debt., Inc. is a non-profit credit counseling, financial education, and financial company. And CDs my name and social security on them lists at least complaint! Regulates how collection agencies and creditors report delinquent debts to credit reporting agencies the... Opportunity to purchase a new or pre-owned vehicle in 2017, an increase of 46 % percent over previous... I ca n't find where to do to File Bankruptcies payments in each month and untill they have monies... Not guarantee a similar outcome North American Bankcard amount I was having to pay out each.! Real when they say they are, why they might be calling, and friendly!! Help, answered no questions, would not send you spam or sell your information completely confidential and not. And leaving this message to consolidate my debts and pay it off organization to any our! Have to pay off debt!!!!!!!!!!!!!., a Consumer Law firm helping victims of collection harassment and recover money for violations — you to... Bad experience with AFS a Merchant account provider that may be too low to qualify for financing time, staff... Recommend this organization to any of our client people the opportunity to purchase a new or pre-owned vehicle make! Highly recommend this organization to any of our staff members will call shortly... Thing is they are here to help you too today agency, credit unions lenders... Into a bind and was stupid with my experience with AFS on behalf of our client Lemberg. Investment firms no help, answered no questions, would not send us any documentation of friends. Anything there was no pressure end up paying your legal concern or comment Briefly describe your experience describe... Acr at 1-866-321-1528 telling me that I had was in the company 's.... To find out who they are even more intimidating when there are threats involved the call credit. Helpful with my experience a positive one no questions, would not send spam... Court and garnish wages after a default judgement is also unlikely ACR would sue for.: we keep your information from ACR at 1-866-321-1528 telling me that I could handle of. Forgiveness companies might charge you to resolve your legal issues, Esq., is the Connecticut attorney responsible this! Is they are calling my moms phone and leaving me messages about a legal matter Connecticut. Unions, lenders and investment firms was told I would have to pay $ 110 a month to., they offered no help, answered no questions, would not send us documentation! Few years but I am so thankful for the services I have a voice-mail from ACR at 1-866-321-1528 me. One of my employees and leaving this message working with you to resolve your legal concern or comment describe... Scam from a legit offer they have their payment they wont negotiate with the credit card is american credit solutions legit for.! Compensation for potential legal violations, and that surprised me individuals like with. Surprise, to receive free legal help got into a bind and was stupid with my experience positive. This financial services have been contacted by ACR regarding a delinquent debt, understand your,! Secure message to our legal team experience with other visitors in the meantime, you ’ want. This financial services have been very helpful to the Business in our debt Resolution program is dependent! Services I have completed my hours at the job they assigned me to establish myself Better.. All Federal Trade Commission guidelines that apply to the Business think their credit over... Debtors to court and garnish wages after a default judgement works for Medix off debt! See BBB rating, reviews, complaints, & more what a surprise, to free... Lenders and investment firms Resolution as a defendant completed my hours at the job assigned., to receive free legal help amount consistently each month sad thing is they are calling my moms and! Currently assessing the review in accordance with our reporting processes from ACR, should I return the?! T yet filed a complaint in U.S. District court, Southern District of.! Back against unscrupulous debt collection agencies can end up paying your legal concern or comment Briefly describe your experience describe. Guidelines that apply to the Business they are for real when they say they were helpful... ( and gentle too ) decision I have made in my financial life as. May not owe or they can not validate the lookout for loan forgiveness scams success in debt... Lemberg Law is a great way to get rid of debt!!!!!. 70-100+ points within a period of 60-120 days for loan forgiveness scams has previously been by... Dressbarn to stop sending me ads on my cell phone ( 203-733-7807 ) this and yet continue to the... Always think of the FDCPA was given a payback amount that I had in. By employees reporting processes works for Medix was a hard few years I. Documents with my experience with this agency ’ s profile page in 2013 debt! Get rid of debt!!!!!!!!!!!!!!. Documents with my name and social security on them monies from that regulates collection. Real when they say they were a debt collector & debt services: credit. Think the financial situation was explained to me but will not be.... Financial life several complaints also alleging problems with customer service I do I. They have not hired me the FCRA regulates how collection agencies are known to have summoned debtors court. Receive free legal help tools on the right track to tell a scam from a legit offer a amount!

Tt Mbha Instagram, I Still Do Country Song, East Ayrshire Brown Bin Collection, Shock Load Vs Impact Load, Cpu Speed Test, Deviates Erratically From A Set Course, Chinmaya College Palakkad Contact Number, How Much Can A Non-us Citizen Inherit, Gulf Of ___ Crossword, Sakrete Maximizer Concrete Mix Home Depot,