Stenger & Stenger, PC (S&S) is a Michigan-based law firm that specializes in third-party debt collection. S&S has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including using false or misleading information in an effort to collect a debt and threatening to take actions that cannot legally be taken. If you have been contacted by S&S, make sure you understand your rights before taking action.
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According to the BBB, Stenger & Stenger, PC was founded and incorporated in 1994. The BBB established S&S’s profile page in 2009. S&S is listed as a law firm. Buzzfile estimates S&S’s annual revenue at $9.9 million and the size of its headquarters staff at 79 employees.
According to its website, Stenger & Stenger is “a mid-size law firm located in Grand Rapids, Michigan, and represents clients in federal and state trial and appellate courts throughout the United States and in the Caribbean.” S&S “applies the skill and experience of ten attorneys (including two ‘Of Counsel’ litigation specialists and one attorney who is also a Certified Public Accountant), plus a staff of paralegals, legal assistants, and other paraprofessionals.”
Stenger & Stenger “attorneys are widely recognized as amongst the best attorneys in their respective fields and have served clients worldwide with distinction.” In addition, S&S “attorneys routinely work with and against many of the world’s top lawyers from many of the world’s best and most reputable law firms.” S&S offers legal services in a variety of practice areas, including receiverships, claims administration and distribution, Caribbean liquidations, civil litigation, and corporate law. S&S also has a creditors’ rights and collections division.
Stenger & Stenger’s collections division employs a “staff…trained using advanced computer systems and collection methods to determine client-specific workflow” and accepts both consumer and commercial collection accounts for “banks, credit unions, finance companies, hospitals, health care organizations, medical practices, retailers, wholesalers, governmental entities, businesses, and individuals.” S&S “is a leader in the consumer collections industry… and employs a team of highly trained and dedicated attorneys, paralegals, skip tracers, and collectors” to provide judgement, medical accounting, and pre-suit collection services. S&S’s judgement division provides “experienced, expedient solutions to post-judgment collection needs,” including garnishment, property liens, and execution on property. Their medical collectors are “well versed in and compliant with HIPAA and other applicable laws, regulations, and statutes.” S&S’s pre-suit division “generates client-specific workflow and executes designated collections remedies – from attempting to contact consumers and establish voluntary payment arrangements to initiating suit.” In addition, S&S’s “commercial collections division accepts delinquent accounts for businesses of all sizes.”
The BBB has closed 5 complaints against Stenger & Stenger in the past three years, with 2 complaints closed in the past 12 months. Almost all of those complaints alleged problems with billing and collections. Since July 2015, the Consumer Financial Protection Bureau (CFPB) has closed 18 complaints against S&S. Justia lists at least 5 cases of civil litigation involving Stenger & Stenger.
Stenger & Stenger, PC Contact Information
Stenger & Stenger, PC
2618 East Paris Ave., SE
Grand Rapids, MI 49546-2454
Telephone: (616) 940-1190
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Stenger & Stenger 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 Stenger & Stenger, P.C.
Complaints against Stenger & Stenger often cite problems resulting from disputes about billing documentation and difficulties in communicating. In March 2016, a complainant indicated he had received a collection letter about a medical bill. He attempted to contact S&S but couldn’t “get a straight answer from anyone.” When he made contact with an S&S representative and asked what the delinquent bill was for, S&S told him it was the result of an emergency room visit. He tried to explain that he had set up a payment plan for all his outstanding medical expenses. In addition, when he contacted the hospital they advised him that he did not have any outstanding items in the amount of the bill listed in the collection letter. The Stenger & Stenger representative advised him that the bill was for a service that had not been submitted to insurance, and then asked the complainant for his insurance information. He waited for a response from S&S, but after two weeks he had not heard anything. He alleged that when he called back, the representative he spoke with was rude, refused to listen to the complainant’s explanation that the delinquent item may be a duplicate, and blamed the complainant for talking over him. The complainant requested validation, and the representative said he would send it out that day. However, the complainant never received the information, and when he contacted his insurance company himself, they indicated that no claim had been submitted. When the complainant again contacted Stenger & Stenger, they indicated that they were “waiting on verification of his insurance company’s address.” The complainant asked the representative why he didn’t just ask him for the information, and then tried to explain the situation all over again, but the representative allegedly “did not want to hear his concern and actually threatened to hang up.” After leaving two complaints on their website “expressing his concern that this was either fraudulent or a duplicate bill,” he still had not received a reply. The complainant concluded by stating that he was going to the office in person because the hospital informed him that “any bill collector should be able to provide… the account information, but this law office refuses to” cooperate. In its response. S&S indicated that they had “submitted insurance coverage information to the client; that the client has confirmed that this claim was submitted to the insurance company… and is pending… and that Stenger & Stenger, P.C. will forward documentation directly to the complainant … as indicated.”
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
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
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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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