A person with the same DOB & First and Last Name with criminal record & jail time at Arizona Penitentiary is all the time link to my profile. Great help and experience working with AFS. American Express is … We are Lemberg Law, a Consumer Law Firm. Very helpful with my financial issues, and friendly service! We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. 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. And we're here to help you get out of debt for good. Credit Solutions Of America Overview. With scams, awareness is everything. 32 American Lending Solutions reviews. in the beginning before I signed anything there was no pressure. The firm’s main office is located at 43 Danbury Road, Wilton, Connecticut. 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.”. You are receiving early morning or late night calls from debt collectors, A debt collector attempts to collect more than you owe, You are being threatened with negative credit reporting, A debt collector attempts to intimidate you, Criminal accusations are being made towards you, We Help Stop American Credit Resolution ACR Collections Harassment. 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. Find out if we can help you too today! I contacted them to consolidate my debts and pay it off. Credit & Debt Services: American Credit Solutions Tampa, Florida. Briefly describe your experience American Express. On the occasions that I needed a little extra time, the staff was very understanding and helpful. Only the latest review will count in the company's TrustScore. Please contact me AFTER 3:30 p.m. (central time) where I can discuss my case. They are even more intimidating when there are threats involved. Call our Helpline today! 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. Our services aren't available in all states. 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. Absolutely. They explain everything in full detail before I sign anything. 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. We had a wonderful experience with this organization. Although the programs above are legit, you’ll want to be on the lookout for loan forgiveness scams. It is illegal for a debt collector to make empty threats to sue you or garnish your wages. This organization is not BBB accredited. Your email American Credit Repair claims that their average client scores increase by 70-100+ points within a period of 60-120 days. 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. Reliable, Professional. 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? There is no charge unless we win. Federal laws protect you. Your author 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. It scared me because he said he had legal documents with my name and social security on them. They were very helpful and kind (and gentle too)! american financial Cost me $10K for the privilege of having them help me. ACR is listed as a collection agency, credit repair, and financial services company. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. What’s your name? I have completed my hours at the job they assigned me to and they have not hired me. The staff of the building called me. Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. They obviously know this and yet continue to flaunt the legislation. 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. I am very grateful! Most of those complaints alleged problems with billing and collections, with several complaints also alleging problems with customer service. 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. 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