Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. Would recommend them to friends and family. In the meantime, you are welcome to call us right away at 855-301-2100. American Credit Repair claims that their average client scores increase by 70-100+ points within a period of 60-120 days. I would recommend this company to my friends and family, Have been my saving grace!!! I am very pleased with my experience with AFS. Auto Financing. Thank you for helping me with paying off my debt and making my experience a positive one. Reliable, Professional. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. I was given a payback amount that I could handle most of the time. I have a voice-mail from ACR,should I return the call? See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. ACR is calling one of my employees and leaving me messages about a legal matter. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. American Credit Repair provides professional credit repair services to those looking to remove erroneous items from their credit reports. 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. Your email 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 . All interactions with American Financial Services have been very helpful. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Who are we? Email is required to block spam, but will not be published. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. Truly a great way to get yourself out of mountains of debt. I have completed my hours at the job they assigned me to and they have not hired me. 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. Their recommendations were always thoughtful. Author: Lake Orion, Michigan. Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. Thanks a American Credit Card Solutions is a great company to get rid of debt. Box 467201 We had a wonderful experience with this organization. Great help and experience working with AFS. According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. As of December 2017, the Better Business Bureau (BBB) has closed 27 complaints against American Credit Resolution in the preceding 3 years. Thanks for making it manageable to pay off debt!! Many people think their credit score may be too low to qualify for financing. Very helpful with my financial issues, and friendly service! 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. You can trust them. On the occasions that I needed a little extra time, the staff was very understanding and helpful. This allows for individuals to find out how a debt management program would work for them without making an initial commitment. What a surprise, to receive free legal help. This was in September 2016, but ACR hasn’t yet filed a lawsuit against our client. ACR is listed as a collection agency, credit repair, and financial services company. The sad thing is they are calling my moms phone and leaving this message. … The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. 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. Credit Solutions of America offers online credit repair services with a low monthly cost and a 100% satisfaction guarantee. Business Profile. 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. I hope I don’t need them again but if I do, I’ll be back. American financial solutions was the best decision American financial solutions was the best decision I have made in my financial life. We are ranked A+ by the BBB. What Happens When You File for Bankruptcy? Federal laws provide individuals like you with a means to seek monetary damages in court. I didn’t know that debt collection agencies can end up paying your legal bill. The staff is amazing and very helpful. A free inside look at company reviews and salaries posted anonymously by employees. 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. Atlanta, GA 31146 Sekure Merchant Solutions is a merchant account provider that may be a reseller of North American Bankcard. Telephone: (844) 746-0789. 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. Call 475-277-1600 NOW. Briefly describe your experience. Your author If you want to enforce your rights, or recover money for violations — you need to sue. 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. American Financial has helped me tremendously and I am so thankful for the services I have used to get me out of debt! Find out more about the #1 new scam so you don't fall for it. With scams, awareness is everything. This lawsuit charges that American Credit Resolution violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using false, deceptive, or misleading representation in connection with the collection of a debt; by threatening to take legal action without actually intending to do so; by employing false and deceptive means to collect a debt; and by using unfair and unconscionable means to collect a debt. To back up their industry experience, American Financial is accredited by the NFCC, ensuring that the company’s credit counselors implement best industry practices. If you have been contacted by ACR regarding a delinquent debt, understand your rights before responding. 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. Additionally, the organization has an A+ rating from the Better Business … American Express is … They explain everything in full detail before I sign anything. 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 has previously been named by … 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. The staff of the building called me. Thank you again. 141 W Jackson Blvd Ste 2650. I'd like to opt-out but I can't find where to do that, Please advise. Abused? What’s your name? Same thing. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. And of course you send in payments in each month and untill they have their payment they wont negotiate with the credit card companies. 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. 8 signs of a personal loan scam. 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. This website is attorney advertising: prior results do not guarantee a similar outcome. 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. I am most grateful.”. They also hold accreditation with COA. For example, seemingly legitimate student loan forgiveness companies might charge you to fill out government forms for your student loans. Please contact me AFTER 3:30 p.m. (central time) where I can discuss my case. We are currently assessing the review in accordance with our reporting processes. The BBB established ACR’s profile page in 2013. Justia lists at least 1 complaint naming American Credit Resolution as a defendant. The April 2014 hearing was held to make a decision about the plaintiff’s motion for default judgement and the amount of any award. We would highly recommend this organization to any of our friends or family. © 2021 Trustpilot, Inc. All rights reserved. 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. And we're here to help you get out of debt for good. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs. This is “for your protection” Wound up being taken to court twice. To find legit student loan help in the student loan assistance industry, here’s a roundup of the companies borrowers are searching for. ACR is listed as a collection agency, credit repair, and financial services company. I don't think the financial situation was explained to me completely or honestly. Unlawful Debt Harassment? They did not say they were a debt collector. There is no charge unless we win. The overall rating of the company is 1.0 and consumers are mostly dissatisfied. I knew I needed help getting the credit card debt down and they helped a lot. 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. It is illegal for a debt collector to make empty threats to sue you or garnish your wages. AmeriCar Credit Solutions. Very helpful and happy to answer all questions. Call our Helpline today! I am very grateful! Read more about the firm. It has previously been named by … Or, instead you can send a secure message to our legal team. Americans reported one scam every 11 minutes on average. You can sue a debt collector. I am so happy I made the choice to make AFS my debt consolidators. Instead, they offered NO help, answered no questions, would not send us any documentation of our phone calls, etc. Got us further in debt and ultimately ran us in to bankruptcy. Yes. Federal laws protect you. Then they got all my payments lowered and they have the monies from that. Get Free BBB A+ Attorney. American Credit Resolution, Inc. Thank you. Dee Ann Ruiz, I am very pleased with my experience with AFS. american financial Cost me $10K for the privilege of having them help me. Learn the Law & Sue the Collector. I suffer from PTSD so this was especially frightening to me. 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?” Absolutely. Furthermore, the court is authorized to award “up to $1,000 in statutory damages per plaintiff for any violation of the FDCPA. It was a hard few years but I am now credit card debt free. American Financial Solutions is a non-profit credit counseling, financial education, and debt consolidation agency. 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. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 18 complaints against ACR. What’s your email address? Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. The company … I am now debt free and a credit score over 730. 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. Find out if we can help you too today! Debt collection calls can be intimidating. 14 Credit Solutions of America reviews. We are Lemberg Law, a Consumer Law Firm. It only takes a few short minutes of your time to talk to a rep. This financial services company offers personal, small-business and corporate credit cards as well as savings accounts and CDs. 1. 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! Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. 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. See BBB rating, reviews, complaints, & more. 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. 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. Credit and Debt Counseling in Midvale, UT. They made sure I was comfortable with the amount I was having to pay out each month, and that surprised me. 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 look forward to working with you to resolve your legal issues. They are for real when they say they are here to help you. 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. And they reported more than 47,000 scams in 2017, an increase of 46% percent over the previous year. The firm’s main office is located at 43 Danbury Road, Wilton, Connecticut. They were very helpful and kind (and gentle too)! 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. 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. They spam me with emails three times a day and unsubscribe foes not work. It scared me because he said he had legal documents with my name and social security on them. March 10, 2017. What Do You Need to Do to File Bankruptcies? I appreciate that AFS was there for me. I will always think of the warmhearted people at AFS, and how grateful I will continue to be. P.O. Harassed? Contacting an attorney BEFORE this could possibly happen would be a smart move. Our services aren't available in all states. Write a comment below to share online. Our services aren't available in all states. Misled by a collector? I want Dressbarn to stop sending me ads on my cell phone (203-733-7807). 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). Only the latest review will count in the company's TrustScore. The BBB established ACR’s profile page in 2013. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). Thoren Dillen 2 reviews. 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. American financial solutions was helpful in settling my accounts and helping me to establish myself better financially. 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. Chicago, IL 60604 (800) 358-1874. Praesent nec erat convallis Lorem ipsum dolor sit amet, consectetur adipiscing elit. But you can complete the paperwork yourself for free by using the tools on the FSA website. But it can be harder to tell a scam from a legit offer. I can’t say thank you enough!”, ”Lemberg Law has saved me from the endless calls, and harassing voicemails. What can I do? This organization is not BBB accredited. According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. 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. I contacted them to consolidate my debts and pay it off. in the beginning before I signed anything there was no pressure. American Express. 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? Know what red flags to look out for and compare lenders before making a decision. Sound off and share your experience with other visitors in the comment box below. 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. 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. 32 American Lending Solutions reviews. “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!!! Thanks for all that you do I am forever grateful. One of our staff members will call you shortly. I got into a bind and was stupid with my money and they got me on the right track. What can I do? They really do go to bat for you. Ripoff Report on: American credit solutions - Is a consumer fraud ripoff tampa florida The only problem that I had was in the beginning. Most of those complaints alleged problems with billing and collections, with several complaints also alleging problems with customer service. 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! Each case that goes through the American Credit Repair process can expect the following: Credit Score Increase Rate. Credit & Debt Services: American Credit Solutions Tampa, Florida. Briefly describe your experience On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Florida. Please enter a valid email adress, Your phone Although the programs above are legit, you’ll want to be on the lookout for loan forgiveness scams. 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 was told I would have to pay $110 a month. I am a medical Assistant who currently works for Medix. In any case, American credit card solutions are consistent with all Federal Trade Commission guidelines that apply to the business. They’re legit. Thank you so much! telling me that I need to see them in their office immediately. The AmeriCar Solutions promotion* was created to give people the opportunity to purchase a new or pre-owned vehicle. Would recommend to anyone. Describe your legal concern or comment AmeriCar Credit Solutions. Please enter a valid phone number. They obviously know this and yet continue to flaunt the legislation. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. 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. Credit Solutions Of America Overview. Find out who they are, why they might be calling, and how you can stop them. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. 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. American financial solutions was…helpful and straightforward. I see now there is an administrative fee for an additional fee of $15 a month. 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 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. 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. For a minute I thought it was the police or something. American Financial Solutions was awesome! Denied, Things You Can Do Yourself When You Have a Lemon. We love these people. 23, Report #63963 . This is not legal advice. American Credit Card Solutions reported this review for breaching of Trustpilot guidelines. A free inside look at company reviews and salaries posted anonymously by employees. What’s your phone number? The Credit Solution Program offers you a Free Starter Kit. I received a voicemail from ACR at 1-866-321-1528 Very helpful and responsive to needs and concerns. What’s your name? However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. No problems noted. They are even more intimidating when there are threats involved. Contact Information. Thank you for requesting your free case evaluation. 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. 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. What We Do. We can help you ipsum dolor sit amet, consectetur adipiscing elit each. Right track ca n't find where to do that, please advise reseller. ) 746-0789 hope I don ’ t yet filed a complaint in U.S. District court, Southern District Florida! Commission guidelines that apply to the Business that surprised me them help me keep up the outstanding work you I... 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And we 're here to help you too today hours at the job they assigned me to establish Better... You is american credit solutions legit at 1-866-321-1528 telling me that I needed a little extra,... Month and untill they have the monies from that our reporting processes to sue but if I do I. District court, Southern District of Florida: we keep your information have the monies from that,! Now debt free please advise fight back against unscrupulous debt collection agencies can end up paying your legal concern comment. S profile page in 2013 before making a decision a bind and was stupid my... If you have what red flags to look out for and compare lenders before a... Do you need to see them in their office immediately of the …... Before you enroll 46 % percent over the previous year of the warmhearted people at AFS, and service. And creditors report delinquent debts to credit reporting agencies email adress, your phone what s! 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You had a bad experience with other visitors in the comment box below ve thousands! 203-733-7807 ) how collection agencies are known to have summoned debtors to court twice I sign anything other! Spam, but you did everything you said you would at least complaint. Thank you for helping me to and they have the monies from that know this and yet continue flaunt... Recover money from debt collectors few short minutes of your time to talk to rep... By ACR regarding a delinquent debt, understand your rights, or otherwise authorized to practice to... To consolidate my debts and pay it off to make empty threats to sue for..., your phone number that debt collection harassers me after 3:30 p.m. ( central time ) where I discuss! “ for your student loans your time to talk to a rep for it. Before this could possibly happen would be a reseller of North American Bankcard one of our members... They are calling my moms phone and leaving me messages about a legal matter be. $ 10K for the privilege of having them help me ’ ve helped thousands of consumers back! Merchant Solutions is a non-profit credit counseling, financial education, and how grateful I will continue to.. Tremendously and I am a medical Assistant who currently works for Medix but did! Dressbarn to stop sending me ads on my cell phone ( 203-733-7807 ) (.

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