Meridian Financial Services Inc 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
What is Meridian Financial Services?
Launched in 1989, Meridian Financial Services Inc is a third party collection agency based in Asheville, North Carolina, with offices in Nevada and Alabama. Meridian has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and threatening to take actions that cannot legally be taken. If Meridian Financial Services has contacted you about delinquent collection items, make sure you understand your rights before taking action.
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Is Meridian Financial Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Meridian Financial Services was founded in 1989. The BBB established a profile page for Meridian in 1996. The BBB lists Meridian Financial Services as a collection agency.
Who does Meridian Financial Services collect for?
With over two dozen workers, Meridian Financial Services collects on behalf of hotel developers, property management companies, timeshare businesses, and homeowner associations. Meridian has an extensive history of harassing consumers over debt. They utilize typical tactics like phone calls, letter and email communications, and credit reporting to pressure consumers into making payments. They also employ skip-tracing applications, which enables them to access and gather consumers’ location details. Meridian Financial Services is a subsidiary of Interval International, a company which sells timeshares.
If you’ve suffered from Meridian debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against Meridian Financial Services?
As of April 2017, the Better Business Bureau reported 40 closed Meridian Financial Services complaints over the previous few decades, including 13 closed Meridian Financial Services complaints over the past 12 months. The BBB provides Meridian Financial Services a B evaluation. Additionally, Justia lists two Meridian Financial Services complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 30 closed Meridian Financial Services complaints for 2016.
Meridian Financial Services, Inc. 1636 Hendersonville Road, Suite 135 Asheville, NC 28803 Phone Number: 800-849-1236 Website: http://www.merid.com/
Can Meridian Financial Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Meridian Financial Services 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!
In 2002, a judge in U.S. District Court, Western District of Wisconsin, denied Meridian Financial Services’ motion for summary judgment in Hartman vs. Meridian Financial Services for alleged violations of the Fair Debt Collection Practices Act. Instead, the judge granted summary judgment to the customers. Meridian Financial Services allegedly attempted to collect the debt under its own name and the title of the timeshare owner. The customers were represented by lawyers, and Meridian seemed to possess records that indicated collectors were told that. Nonetheless, the consumers alleged that collectors maintained calling them straight. The customers also alleged that Meridian violated other provisions of the FDCPA. The court rejected Meridian’s argument that it was an in-house collector or supplied pre-collection billing solutions, which would exempt it from the FDCPA. The judge ruled that Meridian tried to collect debts under a false name; delivered collection notices to customers after having been informed that they were represented by lawyers; neglected to send validation notices within five days of first contact; and delivered a letter that was misleading.
Meridian Financial Services Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Consumers have reported this agency harassing them from the following numbers:
Can I sue Meridian for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
“I used to get up to 15 calls a week from several collection agencies. It got so bad I felt like I should just get a new phone number to make it quit. Happily, I discovered Lemberg Law. They immediately put an end to the calls. Now, when my phone rings I do not dread it.”
“Just a brief message to let you know I got my settlement and also to thank you for your help. I wouldn’t hesitate to recommend you to anybody who’s on the receiving end of the sort of harassment that collection agencies participate in.”
“Seriously! Thank you a thousand times over! The debt collector kept phoning me but would not give me any information regarding the debt that I owed except the sum. They threatened me over and over again and would not stop calling. I hunted on Google for ways to make the calls stop and discovered Lemberg Law. They took my case and found that the debt was too old to accumulate. This firm had ‘bought’ my accounts and expected for me to pay! Guess what? They ended up paying me for each of the harassment they put me through! I was SHOCKED when I received my check.
Can You Help Me Delete Meridian Financial Services from My Credit Report?
Odds are good that we can help. Contact us now and we’ll clarify.
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