Agency of Credit Control is a debt collection agency which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
Agency of Credit Control is a debt collections agency based in Denver, Colorado. It appears as though there are a variety of different complaints against Agency of Credit Control alleging violations of the Fair Debt Collection Practices Act (FDCPA) including failing to validate debt, using misleading tactics on consumers, and harassing consumers. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. Agency of Credit Control has been in the collections business for 64 years. This extensive period of experience awards Agency of Credit Control legitimacy in the collections world. On top of these many years of experience, Agency of Credit Control is also accredited by the Better Business Business and has received an “A+” rating from the bureau. With this in mind, it is easy to confirm that Agency of Credit Control is not a scam, and the debt or billing purposes which you may have been contacted about are real, and need to be dealt with. While Agency of Credit Control is a legitimate business they still may be in violation of the FDCPA. Therefore, while it is important that you do not ignore the need to resolve your alleged debt with Agency of Credit Control, as this could potentially harm your credit and ability to take out future loans, be sure to clarify what specific debt is owed and to whom. While the business has received accreditation and a stellar BBB review, be wary of any suspicious activity where the company could potentially be violating the FDCPA. You, and many clients feel as though Agency of Credit Control may not have provided the service it promised, and could have violated collectors law.
In respect to the company’s timeline, Agency of Credit Control was started on December 24th, 1956 and was incorporated on the same day. Additionally, Agency of Credit Control has been accredited since July 29th, 2011. In regard to the collection company’s size, according to dnb.com the company has an employee base of 22 people and sales of $1.96 million. Lastly, according to the Better Business Bureau, the leadership of the company is headed by President Michael L. Horstmann, and General Manager Jessica Goetz.
Agency of Credit Control writes on their website that the company has, “acquired a special understanding of the needs of healthcare providers and creditors and has developed its services to cater to those need”. In other words, Agency of Credit Control collects on debt in the healthcare industry, including medical billing and potentially insurance matters. The services that Agency of Credit Control provides for its business partners range from, “pre-collect/early-out billing, to credit reporting and post judgment collection”. More specifically, these services include automated recovery technology, effective management of payment arrangements, professional well trained staff, skiptracing services, litigation services, full credit reporting, and education. This information comes entirely from Agency of Credit Control’s website.
Even when you are aware of the types of services that Agency of Credit Control provides and the business it works with, it is still important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As a collections company, it is no surprise that Agency of Credit Control has received a number of complaints. First, on the BBB, Agency of Credit Control has received 8 complaints closed in last 3 years and 2 complaints closed in last 12 months. While Agency of Credit Control has attempted to respond to these complaints, the magnitude of complaints and the sheer dissatisfaction with the company’s service has not provided Agency of Credit Control with a glowing review.
On top of these negative reviews and complaints on the BBB, there were additional reviews of Agency of Credit Control on Google Reviews. There are 13 reviews posted under the Agency of Credit Control name, awarding the company a measly 1.7 star review overall. More seriously, Agency of Credit Control could have also been a part of a variety of lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.
It is illegal for Agency of Credit Control to make empty threats to sue you or garnish your wages. The company would most likely choose not to sue if they cannot verify your debt or you may not owe said debt. However, this may not occur under other circumstances. Remember that it is not uncommon for debt collection agencies to summon debtors to court and garnish wages after a default judgement. If you find yourself in this situation, it is important that you choose to sue and hire legal aid. The wisest option in this case would be to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a sample complaint:
A complainant had a bankruptcy discharge in 2014 that included a bill from a particular corporation which was, “at some point sold to Agency of Credit Control”. Agency of Credit Control later reported 2 bills as active on the complainant’s report to all three credit bureaus. The complainant attempted to call this collections company twice but received no response. The complainant would like to see the statute that allows for the collections company to do this type of collection without notification or information. The complainant is under the impression that a collection agency cannot report an account as active after a discharge (as it has now been 5 years later).
Learn to protect yourself against fraudulent collections practices. Through the Fair Debt Collection Practices Act citizens like you are protected against the abuses and misconduct of collection agencies. Choosing to read up on these rights is the wisest decision to make in order to avoid becoming a victim to unethical collections practices. You can find these rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes you can sue. If you feel as though your FDCPA rights have been breached, suing is the best course of resolution. If you want to recover your damages and protect yourself as an individual, utilize the Federal laws that protect citizens like you from these fraudulent practices. Suing gives individuals the power to defend their rights and protect their assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“They were quick and responsive. I had a debt collector harassing me over a debt that wasn’t mine. They threatened me with ruining my credit. But these guys got it taken care of!! The debt was removed and I received $750 from the collectors. Thank you!!”
“A pleasure being represented by Lemberg Law LLC . I have used their services before with the same professional results. A well deserved 5 Star recommendation.”
“I called Lemberg law to handle an overly aggressive debt collector who constantly violated the Fair Debt Collection Practices Act. I was very pleased with what Jody Burton got for me. Not only did she settle my case but now this collection agency can no longer harass me. Thank you.”
“The associates at Lemberg Law took amazing care of me and my situation involving the collection agency. They walked through the steps of process thoroughly and the rest is history. I can’t thank them enough. Thank you!!”
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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