The only problem that I had was in the beginning. I would recommend this company to my friends and family, Have been my saving grace!!! I didn’t know that debt collection agencies can end up paying your legal bill. 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. All interactions with American Financial Services have been very helpful. 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 can I do? Would recommend to anyone. 1. What’s your email address? American Credit Card Solutions reported this review for breaching of Trustpilot guidelines. No problems noted. I am a medical Assistant who currently works for Medix. Absolutely. This allows for individuals to find out how a debt management program would work for them without making an initial commitment. Their recommendations were always thoughtful. Email is required to block spam, but will not be published. Our services aren't available in all states. With scams, awareness is everything. I was given a payback amount that I could handle most of the time. Author: Lake Orion, Michigan. 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. March 10, 2017. The April 2014 hearing was held to make a decision about the plaintiff’s motion for default judgement and the amount of any award. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. 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. This website is attorney advertising: prior results do not guarantee a similar outcome. Same thing. I am so happy I made the choice to make AFS my debt consolidators. I am very pleased with my experience with AFS. As of December 2017, the Better Business Bureau (BBB) has closed 27 complaints against American Credit Resolution in the preceding 3 years. Contacting an attorney BEFORE this could possibly happen would be a smart move. I can’t say thank you enough!”, ”Lemberg Law has saved me from the endless calls, and harassing voicemails. Very helpful and responsive to needs and concerns. american financial Cost me $10K for the privilege of having them help me. I contacted them to consolidate my debts and pay it off. Get Free BBB A+ Attorney. The company … American Financial has helped me tremendously and I am so thankful for the services I have used to get me out of debt! Although the programs above are legit, you’ll want to be on the lookout for loan forgiveness scams. Dee Ann Ruiz, I am very pleased with my experience with AFS. I have a voice-mail from ACR,should I return the call? This is “for your protection” Wound up being taken to court twice. 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. Thank you for requesting your free case evaluation. Sekure Merchant Solutions is a merchant account provider that may be a reseller of North American Bankcard. 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. Thoren Dillen 2 reviews. 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 . I received a voicemail from ACR at 1-866-321-1528 What’s your name? One of our staff members will call you shortly. Would recommend them to friends and family. And we're here to help you get out of debt for good. There is no charge unless we win. See BBB rating, reviews, complaints, & more. Credit Solutions Of America Overview. They also hold accreditation with COA. 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. Our services aren't available in all states. I hope I don’t need them again but if I do, I’ll be back. 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. Please contact me AFTER 3:30 p.m. (central time) where I can discuss my case. 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 so much! I got into a bind and was stupid with my money and they got me on the right track. For a minute I thought it was the police or something. Thank you again. 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. © 2021 Trustpilot, Inc. All rights reserved. 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. Thank you. I suffer from PTSD so this was especially frightening to me. Furthermore, the court is authorized to award “up to $1,000 in statutory damages per plaintiff for any violation of the FDCPA. I knew I needed help getting the credit card debt down and they helped a lot. Most of those complaints alleged problems with billing and collections, with several complaints also alleging problems with customer service. Briefly describe your experience Thanks a Contact Information. If you want to enforce your rights, or recover money for violations — you need to sue. “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!!! They really do go to bat for you. Unlawful Debt Harassment? 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. ACR is listed as a collection agency, credit repair, and financial services company. But you can complete the paperwork yourself for free by using the tools on the FSA website. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 18 complaints against ACR. They made sure I was comfortable with the amount I was having to pay out each month, and that surprised me. In the meantime, you are welcome to call us right away at 855-301-2100. 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. AmeriCar Credit Solutions. Harassed? Business Profile. What a surprise, to receive free legal help. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. American Credit Repair claims that their average client scores increase by 70-100+ points within a period of 60-120 days. ACR is listed as a collection agency, credit repair, and financial services company. To find legit student loan help in the student loan assistance industry, here’s a roundup of the companies borrowers are searching for. They’re legit. Have you had a bad experience with this agency’s debt collectors? They obviously know this and yet continue to flaunt the legislation. I have completed my hours at the job they assigned me to and they have not hired me. Thank you for helping me with paying off my debt and making my experience a positive one. The BBB established ACR’s profile page in 2013. 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. We are Lemberg Law, a Consumer Law Firm. Very helpful and happy to answer all questions. Please enter a valid email adress, Your phone We are currently assessing the review in accordance with our reporting processes. American Financial Solutions was awesome! 32 American Lending Solutions reviews. This was in September 2016, but ACR hasn’t yet filed a lawsuit against our client. It has previously been named by … Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. 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. And of course you send in payments in each month and untill they have their payment they wont negotiate with the credit card companies. 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. 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. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. A free inside look at company reviews and salaries posted anonymously by employees. We are ranked A+ by the BBB. Please make sure you review and understand all program materials before you enroll. telling me that I need to see them in their office immediately. Reliable, Professional. If you have been contacted by ACR regarding a delinquent debt, understand your rights before responding. Chicago, IL 60604 (800) 358-1874. What’s your name? in the beginning before I signed anything there was no pressure. Auto Financing. American Credit Repair provides professional credit repair services to those looking to remove erroneous items from their credit reports. 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. Read more about the firm. Thanks for all that you do I am forever grateful. 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 also unlikely ACR would sue you for a debt you may not owe or they cannot validate. 141 W Jackson Blvd Ste 2650. They spam me with emails three times a day and unsubscribe foes not work. Federal laws provide individuals like you with a means to seek monetary damages in court. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. 8 signs of a personal loan scam. I was told I would have to pay $110 a month. Call 475-277-1600 NOW. 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. 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 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. The BBB established ACR’s profile page in 2013. Instead, they offered NO help, answered no questions, would not send us any documentation of our phone calls, etc. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Florida. The sad thing is they are calling my moms phone and leaving this message. Additionally, the organization has an A+ rating from the Better Business … Call our Helpline today! Then they got all my payments lowered and they have the monies from that. Who are we? What Do You Need to Do to File Bankruptcies? They were very helpful and kind (and gentle too)! American Financial Solutions is a non-profit credit counseling, financial education, and debt consolidation agency. Find out who they are, why they might be calling, and how you can stop them. They did not say they were a debt collector. 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. 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. 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. Briefly describe your experience. Great help and experience working with AFS. AmeriCar Credit Solutions. Your author The firm’s main office is located at 43 Danbury Road, Wilton, Connecticut. American Credit Card Solutions is a great company to get rid of debt. On the occasions that I needed a little extra time, the staff was very understanding and helpful. 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. The staff of the building called me. American financial solutions was the best decision American financial solutions was the best decision I have made in my financial life. I will always think of the warmhearted people at AFS, and how grateful I will continue to be. Truly a great way to get yourself out of mountains of debt. Credit & Debt Services: American Credit Solutions Tampa, Florida. They explain everything in full detail before I sign anything. 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). I don't think the financial situation was explained to me completely or honestly. 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. 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.”. Atlanta, GA 31146 But, before you hand over your credit card information, you do need to know if it’s safe to shop at, and many shoppers and AdvisoryHQ readers are asking, “Is there a Wish scam?” In this review, we are going to get down to the bottom of several security-based questions, such as “Is Wish legit?” and “Is safe?” Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. A free inside look at company reviews and salaries posted anonymously by employees. ACR is calling one of my employees and leaving me messages about a legal matter. We love these people. This financial services company offers personal, small-business and corporate credit cards as well as savings accounts and CDs. 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 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! Very helpful with my financial issues, and friendly service! 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. For example, seemingly legitimate student loan forgiveness companies might charge you to fill out government forms for your student loans. I am very grateful! Box 467201 Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. I appreciate that AFS was there for me. The overall rating of the company is 1.0 and consumers are mostly dissatisfied. Abused? It has previously been named by … Write a comment below to share online. Only the latest review will count in the company's TrustScore. I see now there is an administrative fee for an additional fee of $15 a month. American Express is … According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. American financial solutions was…helpful and straightforward. Yes. Federal laws protect you. They are for real when they say they are here to help you. 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.