Aldous & Associates, PLLC (A&A) is a law firm based in Utah that specializes in third-party debt collection. A&A has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including using false or misleading information in an effort to collect a debt and threatening to take actions that cannot legally be taken. If you have been contacted by A&A, make sure you understand your rights before responding.
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Is Aldous & Associates a scam?
According to the BBB, Aldous & Associates, PLLC was founded and incorporated in February 2009. The BBB established A&A’s profile page about nine months later, in November 2009. A&A is listed as a collection agency and collection attorney that uses the alternate business name, TSR Resolutions, Inc. Jeffrey Aldous, one of the principals of A&A, is also the principal of Zymbiotix Health Sciences LLC. The BBB asked Zymbiotix to substantiate some of its publicity claims that violated regulations against false advertising, but Zymbiotix failed to respond. Buzzfile estimates A&A’s annual revenue at $120,000 and the size of its headquarters staff at 2 employees.
Aldous & Associates BBB profile page includes a description of the company’s services. According to this overview, A&A “attempts to collect consumer debt from…their law office using a call center…. Utilizing sophisticated software, each account is tracked, aged, and updated…A&A’s phone system is integrated with…software and…they record all…calls. A&A primarily collects for fitness centers and cell phone retailers.”
According to its website, Aldous & Associates “focuses on debt collection through voluntary means and, if necessary, post judgement work. A law firm where attorneys are affiliated with a nationwide attorney network, A&A is licensed and able to collect across the country.” A&A cites “several advantages in having a law firm pursue the recovery of…past due accounts,” such as “the legal authority that their… office possesses.” For example, “a demand letter on…attorney letterhead has an immediate impact, because those in receipt of the notice understand that a law firm has the ability to take this matter to the next level if not resolved voluntarily.”
Aldous & Associates philosophy is “that every delinquent individual should pay their account in full, and that they have made a commitment and should be held accountable to that commitment.” A&A “realizes …they are not the most popular people, yet…they handle each account professionally, with firmness and respect, …ensuring that each account receives the individual attention needed to exhaust every avenue to attempt to collect the debt.”
Aldous & Associates website indicates its collectors focus on delinquent accounts for fitness gyms, cell phone retail locations, storage units, and non-eviction collections. In addition, they “can work in any industry with a contractual commitment between the business and the consumer.” A&A’s website is incomplete and does not provide links or references to consumer protection resources, laws, or enforcement agencies.
As of March 2018, the BBB has given Aldous & Associates a rating of F. The BBB has closed 55 complaints against A&A in the preceding three years, with 19 complaints closed in the past 12 months. Almost all of those complaints allege problems with billing and collection services. As of March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 41 complaints against A&A. Justia lists at least 6 cases of civil litigation involving Aldous & Associates.
Absolutely. Here are some Sample Cases against Aldous & Associates
Complaints against A&A commonly cite problems resulting from attempts to collect debts that have been paid, discharged, or otherwise disputed. In October 2016, a complainant indicated that he was contacted by Aldous & Associates regarding a $200 outstanding debt owed to Diamond Wireless (DW). Allegedly, DW had previously contacted the complainant in June 2016 in an effort to collect a $200 termination fee. The complainant had objected to the fee and requested proof, and DW had sent a 4-page service agreement. The service agreement indicated that “‘customers who have received a discount and then have an interruption or termination of their service agreement… before 185 days agree to…pay DW an early cancellation fee of $200 per service line.’” However, the service agreement also included “a detailed invoice showing that …DW charged… the complainant $507 for the phone, and that they gave him… no discounts.” The complainant “wrote several letters to both DW and A&A,” but they refused to discuss his concerns and continued to insist that he owed the $200. In addition, in response to the complainant’s dispute, “DW sent an edited… 3-page service agreement/invoice to Aldous & Associates” that was different from the “4-page document” DW had sent the complainant earlier “as proof of debt,” and “A&A later mailed this fraudulent document to the complainant as proof of debt. The fraudulent document omitted the discount columns in the invoice” that showed no discount had been given at the time of purchase. When the complainant sent the original 4-page document to A&A, they “sent…a canned letter stating: ‘In response to your letter/fax that we received, we contacted the original creditor, DW, and the agreement you requested was sent to you. Again, the original creditor verified the validity of the debt upon investigation and provided a copy of the agreement, which we sent you in order to substantiate the debt. At this time the debt continues to be assumed valid. At this time, no attorney with this firm has personally reviewed the particular circumstances of your account.’” The complainant also alleged that in addition to dismissing his dispute and ignoring the documentation he had sent to support his objection, Aldous & Associates had continued to make “constant harassing phone calls that are all the same …in which collectors read a script, …won’t listen… or discuss the issues with the service agreement;… just state that…the call is being recorded; and… keep saying that this will affect the complainant’s credit,” allegedly in an effort to upset…, anger,… and record the complainant in this state.”
In response to this complaint, A&A indicated that “upon review of the debt with the original creditor, Diamond Wireless…notified…Aldous & Associates that the file was sent… in error. At this time, the file is deleted and removed.”Aldous & Associates “apologized for any inconvenience.”
Aldous & Associates, PLLC
P.O. Box 171374
Holladay, UT 84117-1374
Telephone: (888) 221-5155
Understanding Your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a lawsuit, or arrest
- 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
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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