Estate Information Services or EIS is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Estate Information Services or EIS is an Accounts Receivable Management (ARM) company specializing in recovery services for the estates of deceased individuals. EIS has received consumer complaints alleging problems with billing and collection services that violate the Fair Debt Collections Practices Act (FDCPA). If you have been contacted by EIS, make sure you know your rights before responding.
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According to the Better Business Bureau (BBB), Estate Information Services is a legitimate collection agency founded and incorporated in Ohio in 2000. The BBB opened its file two years later. Listed as a collection agency, EIS also uses the alternate business name, EIS Collections. The Additional Information section contains an extensive notice from the Federal Trade Commission (FTC) informing family members of their rights under the FDCPA.
According to its website, EIS supports the financial services efforts of banks, credit cards, retailers, auto loan and lease programs, and medical and educational finance. Furthermore, they offer collection services in three areas. Their third-party collection service employs prime, secondary, and tertiary collection and skip tracing methods in conjunction with law firms associated with the National Association of Retail Collection Attorneys (NARCA). Their bankruptcy division liquidates the portfolios of debtors whose bankruptcy debts have not been discharged. Finally, their probate recovery service uses a proprietary software known as EstateTrace. EIS’ claim assure process protects estates filed in probate court with videotaped notary service. EIS agents contact the family members of non-formal estates to discuss probate options.
Estate Information Services cites as its strengths over 15 years as a progressive ARM firm specializing in probate collections and membership in the American Association of Credit and Collection Professionals (ACA). Physical and on-site security add to their technological expertise with proprietary applications like PROBE, and data services that include an estate database and a deceased customer identification service. As for compliance, the EIS website lists a series of “industry norms and expectations” and a set of compliance goals that include “process workflows,” “metrics,” and “analytic, measurable compliance management.” There is little mention of consumer protection laws, but EIS has designed a website at www.probate-care.com to “help surviving family members deal with the complexities surrounding the probate” process.
The BBB has closed 16 complaints against Estate Information Services in the past three years, with 3 closed in the past twelve months. Most of the complaints allege problems with billing and collections, with 3 complaints focused on problems with customer service. The 7 negative reviews allege problems with service and communication. Justia lists at least 2 cases of civil litigation naming EIS as the defendant.
Estate Information Services Contact Information
Estate Information Services, LLC
3435 Stelzer Rd., Suite 320
Columbus, OH 43219
Telephone: (855) 526-9324
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely EIS 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 Cases filed in Federal Court
In July 2006, in Dutchess County Superior Court, a judge issued an Opinion in a case regarding an estate claim filed under the Surrogate Court Procedure Act (SCPA) Article 13. An affidavit was filed with the decedent in 2005. In this case, the executor filed a motion pursuant to Civil Practice Law and Rules (CPLR) Rule 3212 for an order requesting a judgement dismissing from the estate a clam by Capital One MasterCard in the amount of $1,295.41, but the order did not state the reasons. The estate claim in question was filed under SCPA Article 13, relating to small estates of $20,000 or less. In rejecting the Capital One claim, the executor utilized SCPA Article 18, which provides that “whenever a fiduciary rejects a claim in whole or in part all issues relating to the validity and enforceability of the claim shall be tried and determined upon the judicial settlement of his account.” In March 2006, the executor served a notice pursuant to CPLR Article 31 to take a deposition of a Capital One representative, but the Capital One representative defaulted in appearing. In April 2006, the executor filed the report and account in settlement of the estate pursuant to SPCA Section 1307, and due to the defaulted appearance, it was unopposed. Because the executor rejected the claim in a timely fashion that was not prejudicial to the creditor, and properly utilized a discovery device to obtain information regarding the validity of the debt to which the creditor defaulted and failed to oppose, the motion to dismiss Capital One’s claim was granted.
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.
What Our Clients are Saying
“We realize that ours is only one little case among many — and a lot more serious — but are heartened by the fact that you accepted it represented us with a professionalism that belied the dollar amount.”
“I am so blessed that through this dreadful, terrifying encounter, your company was there to help me. I can not thank you enough”
“Never did I feel anything less than your most important customer. I love your service, and wish that more people were aware that there was a remedy for these vile creatures that call themselves collectors. Do not get me wrong, I pay my debts, or at least attempt to, but those agencies are aware of what they’re doing is illegal and know that the person on the other end of the line probably does not know that.”
Chances are good that we can help. Call us today and we’ll explain.
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