Bryant, Bryant & Associates or BBA is a third-party collection agency based in Florida that specializes in collecting delinquent debts for property managers. BBA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and attempting to collect debts not owed.If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), Bryant, Bryant & Associates, LLC is a legitimate collection agency incorporated in January 2013. The BBB established a profile page for BBA in May 2013, about three days before BBA was started locally. BBA is listed as a collection agency and credit reporting agency. BBA describes itself as an “independent accounts receivables agency…that serves property owners by providing tenant support, management of leased units, and tracking of leased/un-leased units and billing services.”Buzzfile estimates BBA’s annual revenue at $415,000 and the size of its headquarters staff at 4 employees.
According to its website, BBA“is responsible for the management of over 5,000 units statewide, which… enables property owners the strength and flexibility to run other ventures.” BBA “provides customer service and billing services and employs…professional personnel.” BBA’s “accounts receivables agents work any tenant issue in accordance with Florida standards…and specializes in move out/move in tracking and reporting and loss mitigation.”
As “one of the top accounts receivable… centers in the United States, …BBA provides a variety of professional support services to aid in the management of…real estate portfolios.” Their billing service “consists of 3 phases.” In Phase One, “within 24 hours of placing an account,” BBA representatives will send “the first of four letters… to the debtor”; assign the “case… into the workload of one of their on-staff accountants”; and “attempt to contact the tenant and produce a resolution to the matter.”
In Phase Two, if “all attempts to reach a conclusion to the account fail,” BBA will send the accounts to “a local attorney within their network,” who will “immediately draft the first of several letters to the tenant…on…law firm letterhead, demanding payment of the debt”; and “start attempting to contact the debtor via…phone, in addition to a series of letters.” If “attempts to reach a conclusion to the account continue to fail,” BBA moves the account to Phase Three. In Phase Three, BBA will recommend action, which may include litigation or “closure of the case” if BBA “determines the possibility of recovery is not likely.”
BBA is now also offering eviction and tenant removal services that “include… not only all of the tenant removal but the collection of any and all unpaid balances left by the tenant.” BBA states that its “customer support call center adheres to all state and federal customer service laws,” but they do not provide any detailed information about their compliance or training policies. The BBA website does not provide links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 19 complaints against Bryant, Bryant & Associates in the preceding 3 years, with 1 complaints closed in the past 12 months. Most Of Those complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 5 complaints against BBA. Justia does not list any cases of civil litigation involving BBA.
Bryant, Bryant & Associates, LLC
409 Montgomery Rd., Ste. 165
Altamonte Springs, FL 32714-3193
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely BBA would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints
Complaints against Bryant, Bryant & Associates commonly cite problems resulting from disputes about the validity of debts,harassment, and illegal communication tactics. In May 2016, a complainant indicated that she had “been harassed with phone calls from BBA on and off for the past few years regarding a debt that does not exist.” Allegedly, the complainant had “been receiving phone calls at…both her workplace and cell phone.” The representatives who contacted her “have called…from various phone numbers on and off for the past few years.” The complainant called the original creditor “directly and they have verified that she does not have any outstanding loan with them.” Regardless, BBA allegedly “obtained a partial number of an old bank account, social security number, old address, and other personal information that they attempted to use to verify that this claim is legitimate.” The complainant requested validation of the debt, but indicated that BBA sent inaccurate “documents, … most of the time with misspellings and incorrect grammar.” In addition, the complainant stated that her exchanges with BBA representatives were “very unprofessional…When she tried to explain the situation and questioned the validity of the debt, …one representative raised her voice and became argumentative, making comments about the complainant’s personal finances, alleged reasons why she supposedly needed to take out this loan, and even called her ‘pathetic,’ accusing her of trying to ‘run away from her responsibilities.’” In addition, BBA representatives had “spoken disrespectfully over the phone to the administrators at the complainant’s workplace.” The complainant told a BBA representative that she would be contacting an attorney, but the BBA representative “began rattling off laws saying that the complainant ‘can’t scare her.’” The complainant and her supervisors requested that BBA cease making calls to the complainant’s workplace, “but the calls have continued.” The complainant concluded by stating that despite her efforts, the harassment “usually stops for a few months, but always resumes at some point from a different phone number and different individual.”
In response, Bryant, Bryant & Associates defended all of their actions, insisting that they complied with all requests for debt validation. In addition, they stated that “each and every contact attempt with the complainant has been met with extreme resistance.” Although BBA did not acknowledge any wrongdoing, they also stated that “at this time BBA has made the determination that it is in their best… interest to officially close… the account here at our offices and return the debt to the originator… BBA will no longer commence in communication with the complainant, her place of employment, or the associates connected with the file.”
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, 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.
We can make them STOP!✋
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 NOW.
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