Helvey & Associates or H&A is a third-party collection agency based in Indiana. H&A has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by Helvey & Associates, understand your rights before responding.
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According to the Better Business Bureau (BBB), Helvey & Associates, Inc. is a legitimate collection agency, founded in 1955 and incorporated in 1966. The BBB established a profile page for H&A in 2004. Buzzfile estimates H&A’s annual revenue at $7.3 million and the size of its staff at 85 employees.
According to its website, H&A “is a leader in providing business process outsourcing (BPO) solutions to…clients, with a focus on accounts receivable management and contact center services.” H&A’s mission is “to create and deliver professional and long-term advantages for clients, employees, and all the people we serve.”
Helvey & Associates does not provide specific details about the types of clients for whom they collect delinquent debts. However, their Services page indicates they offer collection services and call center services. Their collection services division offers bad debt collection “for primary, secondary and tertiary placements.” They provide a full range of additional third-party collection services, including “dunning letters, skip tracing services…credit bureau reporting, automated account follow-up, and flexible payment options.” In addition, Helvey & Associates provides clients with early-out and pre-collect first-party billing; insurance follow-up and verification for healthcare providers; and training and consulting. H&A’s call center services provide customer service outsourcing, inbound and outbound calling campaigns, and payment portal services for a wide variety of businesses.
Helvey & Associates claims to be an industry leader, with business practices based in extensive experience, performance standards, high quality customer service, flexibility, innovation, and advanced technology. However, its Resources page contains information exclusively for potential clients. Their website does not provide any links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 26 complaints against Helvey & Associates in the past three years, with 10 closed in the past 12 months. Almost all of the complaints allege problems with advertising and sales. As of March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 20 complaints against H&A. Justia lists at least 8 cases of civil litigation involving H&A.
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely H&A. 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!
Absolutely. Here are some Sample Cases
Complaints against Helvey & Associates commonly cite disputes about verification of debts and the accuracy of information provided to credit reporting agencies. For example, in January 2018, a complainant indicated he had discovered two collection accounts from H&A on his credit report. Allegedly, H&A. “had an incorrect address for the complainant and he never received any written letters. H&A did not have a specific unit number and sent the letter to a general commercial address, so the complainant did not receive any written correspondence from them.” He indicated that he paid both delinquencies as soon as they were brought to his attention, with H&A’s assurance that the items would subsequently be removed from his credit reports. After paying the items, however, both items continued to appear on the complainant’s credit report, lowering his score by 90 points and disqualifying him for a home loan.
Similarly, in September 2017, a complainant indicated he had received notification that one of his delinquent debts had been assigned to Helvey & Associates. Although H&A never sent him any written notification of the debt, the delinquent items soon appeared on his credit report. After contacting H&A, he discovered that the address they had on file for him was incorrect and that any letters sent to that address should have been returned to H&A as undeliverable. After he was informed of the delinquency, he settled the debt. Although Helvey & Associates promised to remove the delinquent item from his credit report, the negative information has continued to appear for several years.
A third complainant in July 2017 indicated that he had received a letter from Helvey & Associates for a delinquent debt he claims not to have owed. When he called them to dispute the debt, the representatives were allegedly “rude and hostile towards him in flagrant violation of the Fair Debt Collections Practices Act.”
H&A responded to all of these complaints by indicating either that they believed they had acted appropriately as authorized by contract or law, or that they disputed the facts of the complaint.
Helvey & Associates, Inc.
1029 East Center Street
Warsaw, IN 46580
Telephone: (855) 804-5704
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.
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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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