This was in September 2016, but ACR hasn’t yet filed a lawsuit against our client. Write a comment below to share online. What a surprise, to receive free legal help. And they reported more than 47,000 scams in 2017, an increase of 46% percent over the previous year. A free inside look at company reviews and salaries posted anonymously by employees. Credit Solutions of America offers online credit repair services with a low monthly cost and a 100% satisfaction guarantee. Very helpful with my financial issues, and friendly service! March 10, 2017. American Financial has helped me tremendously and I am so thankful for the services I have used to get me out of debt! 1. Briefly describe your experience. 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 is also unlikely ACR would sue you for a debt you may not owe or they cannot validate. I was a skeptic, but you did everything you said you would! To find legit student loan help in the student loan assistance industry, here’s a roundup of the companies borrowers are searching for. A free inside look at company reviews and salaries posted anonymously by employees. What Do You Need to Do to File Bankruptcies? Who are we? 141 W Jackson Blvd Ste 2650. 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. It was a hard few years but I am now credit card debt free. Justia lists at least 1 complaint naming American Credit Resolution as a defendant. Telephone: (844) 746-0789. And we're here to help you get out of debt for good. American financial solutions was…helpful and straightforward. It only takes a few short minutes of your time to talk to a rep. Your email Debt collection calls can be intimidating. American financial solutions was helpful in settling my accounts and helping me to establish myself better financially. I am a medical Assistant who currently works for Medix. What Happens When You File for Bankruptcy? 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. What’s your phone number? I can’t say thank you enough!”, ”Lemberg Law has saved me from the endless calls, and harassing voicemails. Would recommend to anyone. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Dee Ann Ruiz, I am very pleased with my experience with AFS. Describe your legal concern or comment 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. This allows for individuals to find out how a debt management program would work for them without making an initial commitment. 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. They did not say they were a debt collector. Please enter a valid email adress, Your phone They also hold accreditation with COA. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. 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. But it can be harder to tell a scam from a legit offer. This is “for your protection” Wound up being taken to court twice. No problems noted. Instead, they offered NO help, answered no questions, would not send us any documentation of our phone calls, etc. What can I do? Got us further in debt and ultimately ran us in to bankruptcy. Credit and Debt Counseling in Midvale, UT. I would recommend this company to my friends and family, Have been my saving grace!!! Additionally, the organization has an A+ rating from the Better Business … Email is required to block spam, but will not be published. 23, Report #63963 . They’re legit. 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. Thank you for helping me with paying off my debt and making my experience a positive one. It is illegal for a debt collector to make empty threats to sue you or garnish your wages. I am now debt free and a credit score over 730. The firm’s main office is located at 43 Danbury Road, Wilton, Connecticut. In any case, American credit card solutions are consistent with all Federal Trade Commission guidelines that apply to the business. Find out who they are, why they might be calling, and how you can stop them. 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. 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. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. It scared me because he said he had legal documents with my name and social security on them. The court agreed that the violations cited by the plaintiff constituted violations of the FDCPA and the TCPA and granted the plaintiff’s motion for default judgement. They made sure I was comfortable with the amount I was having to pay out each month, and that surprised me. ACR is calling one of my employees and leaving me messages about a legal matter. For a minute I thought it was the police or something. Call our Helpline today! Thank you so much! Our services aren't available in all states. You can sue a debt collector. Very helpful and responsive to needs and concerns. 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. AmeriCar Credit Solutions. Denied, Things You Can Do Yourself When You Have a Lemon. telling me that I need to see them in their office immediately. It has previously been named by … Ripoff Report on: American credit solutions - Is a consumer fraud ripoff tampa florida I will always think of the warmhearted people at AFS, and how grateful I will continue to be. American Credit Card Solutions reported this review for breaching of Trustpilot guidelines. Truly a great way to get yourself out of mountains of debt. Each case that goes through the American Credit Repair process can expect the following: Credit Score Increase Rate. Please enter a valid phone number. Find out more about the #1 new scam so you don't fall for it. Absolutely. P.O. 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. I suffer from PTSD so this was especially frightening to me. What can I do? Contact Information. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. I hope I don’t need them again but if I do, I’ll be back. Would recommend them to friends and family. Sound off and share your experience with other visitors in the comment box below. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. With scams, awareness is everything. American Credit Card Solutions is a great company to get rid of debt. What’s your name? Credit & Debt Services: American Credit Solutions Tampa, Florida. Chicago, IL 60604 (800) 358-1874. It has previously been named by … We had a wonderful experience with this organization. Learn the Law & Sue the Collector. 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. We are ranked A+ by the BBB. Thoren Dillen 2 reviews. I have a voice-mail from ACR,should I return the call? For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs. 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. What’s your name? Sekure Merchant Solutions is a merchant account provider that may be a reseller of North American Bankcard. 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. In the meantime, you are welcome to call us right away at 855-301-2100. Auto Financing. Many people think their credit score may be too low to qualify for financing. Find out if we can help you too today! Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. I see now there is an administrative fee for an additional fee of $15 a month. 8 signs of a personal loan scam. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 18 complaints against ACR. AmeriCar Credit Solutions. I'd like to opt-out but I can't find where to do that, Please advise. What’s your email address? “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!!! The sad thing is they are calling my moms phone and leaving this message. 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 explain everything in full detail before I sign anything. They are for real when they say they are here to help you. 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. The April 2014 hearing was held to make a decision about the plaintiff’s motion for default judgement and the amount of any award. They obviously know this and yet continue to flaunt the legislation. To back up their industry experience, American Financial is accredited by the NFCC, ensuring that the company’s credit counselors implement best industry practices. Author: Lake Orion, Michigan. On the occasions that I needed a little extra time, the staff was very understanding and helpful. Contacting an attorney BEFORE this could possibly happen would be a smart move. They really do go to bat for you. Briefly describe your experience I knew I needed help getting the credit card debt down and they helped a lot. We are currently assessing the review in accordance with our reporting processes. This financial services company offers personal, small-business and corporate credit cards as well as savings accounts and CDs. Then they got all my payments lowered and they have the monies from that. 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. 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. Know what red flags to look out for and compare lenders before making a decision. You can trust them. Please make sure you review and understand all program materials before you enroll. Have you had a bad experience with this agency’s debt collectors? Atlanta, GA 31146 For example, seemingly legitimate student loan forgiveness companies might charge you to fill out government forms for your student loans. This website is attorney advertising: prior results do not guarantee a similar outcome. Thank you. Our services aren't available in all states. American Credit Repair claims that their average client scores increase by 70-100+ points within a period of 60-120 days. 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 so happy I made the choice to make AFS my debt consolidators. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. American Credit Resolution, Inc. Americans reported one scam every 11 minutes on average. Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. They are even more intimidating when there are threats involved. 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! I was told I would have to pay $110 a month. Credit Solutions Of America Overview. I’m very grateful for all the hard work they did to finally give me my life back.”, “I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. American Credit Repair provides professional credit repair services to those looking to remove erroneous items from their credit reports. 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. We love these people. I have completed my hours at the job they assigned me to and they have not hired me. 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 . The BBB established ACR’s profile page in 2013. 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. They were very helpful and kind (and gentle too)! If you have been contacted by ACR regarding a delinquent debt, understand your rights before responding. Most of those complaints alleged problems with billing and collections, with several complaints also alleging problems with customer service. Harassed? 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. 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. 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. Please contact me AFTER 3:30 p.m. (central time) where I can discuss my case. 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. Thanks for making it manageable to pay off debt!! 14 Credit Solutions of America reviews. ACR is listed as a collection agency, credit repair, and financial services company. Call 475-277-1600 NOW. We look forward to working with you to resolve your legal issues. 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. The staff is amazing and very helpful. 32 American Lending Solutions reviews. American Financial Solutions was awesome! American Express. 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. Only the latest review will count in the company's TrustScore. I am very pleased with my experience with AFS. I don't think the financial situation was explained to me completely or honestly. Misled by a collector? Federal laws protect you. 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. This organization is not BBB accredited. Praesent nec erat convallis Lorem ipsum dolor sit amet, consectetur adipiscing elit. The staff of the building called me. We would highly recommend this organization to any of our friends or family. And of course you send in payments in each month and untill they have their payment they wont negotiate with the credit card companies. Federal laws provide individuals like you with a means to seek monetary damages in court. Thanks a 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. One of our staff members will call you shortly. American Express is … 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. But you can complete the paperwork yourself for free by using the tools on the FSA website. Great help and experience working with AFS. Abused? Reliable, Professional. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. 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. Box 467201 I received a voicemail from ACR at 1-866-321-1528 Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Although the programs above are legit, you’ll want to be on the lookout for loan forgiveness scams. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. I appreciate that AFS was there for me. If you want to enforce your rights, or recover money for violations — you need to sue. © 2021 Trustpilot, Inc. All rights reserved. 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. Or family, you are entitled to any of our friends or family legal issues everything. Financial Solutions was helpful in settling my accounts and helping me to establish myself Better financially financial services been... ( CFPB ) has closed 18 complaints against ACR on my cell phone 203-733-7807... 'Re here to help you too today located at 43 Danbury Road, Wilton,.. To do to File Bankruptcies their office immediately out who they are why. May be a reseller of North American Bankcard average client scores increase by points... Not be published lawsuit against our client following: credit score increase Rate me completely or.. 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