Quantum Collections (QC) is a third-party collection agency based in Nevada. QC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and using false or misleading information in an effort to collect a debt. If you have been contacted by QC, make sure you understand your rights before responding.
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According to the BBB, Quantum Collections is a legitimate collection agency, incorporated in 1976, then started in 1979. The BBB established QC’s profile page in 1995. QC is listed as a collection agency. Buzzfile lists QC under its alternate business name, Nevada Credico, Inc., and estimates their annual revenue at $3.8 million and the size of their headquarters staff at 40 employees.
According to its website, Quantum Collections provides “collection techniques that are professional and knowledgeable, techniques designed to get your money returned, while maintaining your professional image.” QC’s philosophy “is that a combined effort between their agency and the client’s office will always result in the most beneficial results… QC is a part of their client’s offices and…welcomes…initial and continued interest.”
Quantum Collections offers collection services for medical and healthcare providers, rental property managers, consumer retail, and commercial debt. Employees in QC’s medical debt division “build rapport with the patient by conveying an attitude that is positive and helpful” to provide “complete and comprehensive collection services for hundreds of satisfied medical offices, clinics, and hospitals.” QC’s property management division combines “continuing technological upgrades” with collection techniques that “motivate individuals to pay in a way unlike other agencies.” QC’s retail collectors communicate “a concern for the consumers’ situations and… use… motivational appeals.” QC’s commercial division “was formed…specifically with business to business and professional accounts in mind.”
Quantum Collections one-page website does not provide any information about its regulatory compliance policies. Although they include some links to trade organizations, they do not provide any information about consumer protection resources, laws, or enforcement agencies.
The BBB has closed 12 complaints against Quantum Collections in the past three years, with 1 complaint closed in the past 12 months. Most of those complaints alleged problems with billing and collections. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 8 complaints against QC. Justia lists at least 4 cases of civil litigation involving Quantum Collections.
3080 S Durango Dr., Ste. 105
Las Vegas, NV 89117-4411
Telephone: (702) 633-8000
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Quantum Collections 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 against Quantum Collections
Complaints against Trojan Professional Services commonly cite problems resulting from attempts to collect disputed debts. In December 2015, a complainant indicated that a delinquency on her credit report resulted from dental services that were covered by dental insurance. According to the complainant, the dental services in question were provided to the complainant’s adult daughter in 2013. When the complainant contacted the dental provider to find out why they had sent the bill for the dental services to collections, they told her that “they had attempted several times to submit a claim for payment… but were unable because the insurance denied the claim.” Allegedly, the complainant’s dental insurance provider “had mistakenly removed her daughter as an individual covered… under her family’s plan when she was transferred from an active employee to a retiree,” and her daughter “was therefore not insured at the time she received service.” The complainant contacted her insurance company and “had this insurance issue corrected by contacting her Plan Administrator.” Allegedly, the insurance company had not been “aware of her lack of medical and dental coverage, so they immediately adjusted their oversight, and coverage for her daughter was reinstated.” Subsequently, “once the dental insurance… was reinstated, they were able to successfully resubmit claims for services provided…and disbursed funds for services rendered.” As a result, the complainant confirmed that the overdue balance had been paid, and that TPS’s collection efforts were no longer necessary. The complainant requested that TPS remove the negative information from her credit report.
In its response, Trojan Professional Services indicated that they did “not concur with the recitation of the events concerning this account. Nevertheless, they sent instructions to Experian, Equifax, and Transunion requesting that they each delete the subject account.”
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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“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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