- Who is Meridian Financial Services?
- Is Meridian Financial Services a Scam?
- Meridian Financial Services Complaints?
- Can Meridian Financial Services Sue Me or Garnish My Wages?
- Meridian Financial Services Lawsuits
- Meridian Financial Services Calling?
- How Do I Stop Meridian Financial Services Debt Collection Harassment?
- How Can I Delete Meridian Financial Services from My Credit Report?
Launched in 1989, Meridian Financial Services Inc is based in Asheville, North Carolina, with offices in Nevada and Alabama. With over two dozen workers, Meridian Financial Services collects on behalf of hotel developers, property management companies, timeshare businesses, and homeowner associations.
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Meridian Financial Services is a legitimate debt collection agency with 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.
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 Collection Agency Address
Meridian Financial Services, Inc.
1636 Hendersonville Road, Suite 135
Asheville, NC 28803
Phone Number: 800-849-1236
It is illegal for a debt collector to threaten 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!
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Absolutely. Here’s an example of a case filed against Meridian Financial Services in federal court.
In 2002, a judge in U.S. District Court, Western District of Wisconsin, denied Meridian Financial Services’ motion for summary judgment in Hartman v. 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.
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.
Meridian May be Calling You From These Phone Numbers
Most debt collection agencies call from several phone numbers. Consumers have reported getting from these phone numbers:
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.
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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