- Who is Aspen National Collections?
- Aspen National Collections Complaints?
- Aspen National Collections Lawsuits
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- How Do I Stop Aspen National Collections Debt Collection Harassment?
- How Can I Delete Aspen National Collections from My Credit Report?
- How Can I Deal with Aspen National Collections?
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Aspen National Collections (ANC) is a third-party collection agency based in Florida. ANC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including illegal communication tactics and attempting to collect debts not owed. If you have been contacted by ANC, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Aspen National Collections was originally incorporated in Colorado in 2000 and started in Brooksville, FL in 2003. The BBB established its profile page in 2005. ANC is listed as a collection agency that uses the alternate business name, Aspen National Financial, Inc.
According to its website, ANC “is a national debt collection agency with specialized expertise in consumer debt collections for companies involved in timeshare or vacation ownership resorts, educational loans, utility cooperatives, and other niches.”
ANC’s timeshare division “first became involved in the timeshare, or vacation ownership, resort industry in 2000, assisting resorts located throughout the United States and in Mexico in the recovery of consumer debt related to monthly installment loans and annual maintenance fees.” Their education division assists small schools to larger universities “with all types of educational debt such as student loans, federal and Perkins student loans, K-12 educational fees, nursing loans, and student fines.”
The collection staff of ANC’s utilities division is “trained to understand the client’s specific service, as well as the socio-economic environment of the consumer.” ANC also provides collection services for other types of consumer debt by “partnering with clients to understand their service or product, the nature of their debtors, and creating effective, customized programs to improve the performance of their portfolios.”
ANC is licensed, bonded, and insured; certified in the handling of trust accounts; and a professional member of the American Resort Development Association (ARDA) and the American Collectors Association (ACA). They have also posted a statement that they “abide by all requirements of the Fair Debt Collection Practices Act (FDCPA), ensuring that the collection of your bad debt is done within the parameters allowed by law.” However, there are no links or references on their site to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 20 complaints against ANC in the past three years, with 4 closed in the past 12 months. Most of the complaints allege problems with billing and collections. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has received 6 complaints about ANC, and Justia lists at least 1 case of civil litigation naming ANC as a defendant.
Absolutely. Here are some Sample Cases against Aspen National Collections – ANC.
Complaints against ANC generally result from disputes about fees relating to homeowner associations and timeshare rentals. In June 2017, a complainant indicated he had been receiving calls from an ANC representative who claimed to be a manager. The complainant alleged harassment and indicated he was having difficulty paying due to being disabled. Allegedly, after several demands, the complainant said, “What do you want me to do? Sell an arm or a leg?” The ANC representative allegedly replied, “Do you think they are worth what you owe?” after which he began laughing at the complainant. The complainant indicated he did not find the manager’s conduct funny or professional. In response, ANC indicated they had reassigned the complainant’s account to a different representative. However, to honor the complainant’s request that they no longer contact him by phone, ANC indicated that they “will not be able to directly contact” him. ANC also indicated that the newly assigned representative “is very familiar with his account and the nature of the complaint…and would like to speak with the complainant and review the complaint and his specific issues.” ANC invited the complainant to contact him directly, and apologized “for the complaint that was generated during earlier contact.”
In his rebuttal, the complainant rejected the response, indicating the representative who had posted the reply was “the one who brought it up about selling an arm or a leg.” The complainant indicated he wanted clarification about why he was being charged $908.00 for fees, but the ANC representative allegedly said that “he doesn’t have to tell me.” The complainant also alleged that the fees had increased from $900.00 before the complaint to $3,383.35 after the complaint. In response to this rebuttal, ANC indicated that they had spoken with the complainant “numerous times over the last 4 years,” and that “each time he refused to address the situation…and refused to make payment arrangements or to discuss account resolution.” As for fee increases, ANC indicated that the complainant “knows he has fees due every other year… and that those fees continue to accrue every other year even when the account is in an outside collection agency.” As a resolution, ANC indicated that they “would be willing to reverse the amount that was updated by the client if the complainant is willing to pay the original amount placed with ANC in full. The complainant would still owe the remaining years fees that have accrued but he would not owe the additional fees and penalties that were assessed once sent to collections.” The complainant replied that he accepted the offer of resolution but still wanted to know why they continued to call after he asked them not to; why he was being blamed for the comments about his arm and his leg; and why he was told ANC is not responsible for enumerating the fees.
Aspen National Collections
PO Box 10689
Brooksville FL 34603
Telephone: (800) 981-9420
Understanding your Debt Collection Rights
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a 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 recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, 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.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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