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Stuart-Lippman & Associates, Inc. (SLA) is a third-party collection agency based in Tucson, AZ. SLA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as attempting to collect debts not owed and misrepresentation. If you have been contacted by SLA, understand your rights before taking action.
According to the Better Business Bureau (BBB), Stuart-Lippman & Associates, Inc. was founded and incorporated in 1995, and the BBB established its profile page on the same date. The BBB lists SLA as a collection agency with a staff of 101 people. The BBB also indicates SLA was formerly known as Bonded Collections of Tucson, Inc. Buzzfile estimates SLA’s annual revenue at $12.6 million.
According to its website, Stuart-Lippman & Associates is “a full-service collection agency that provides contingency based debt recovery services across the United States… with a staff of recovery professionals…trained in up to date relevant collection laws, regulations, and contracts.”
SLA’s website does not provide any detailed information about its collection practices. Their Services tab indicates that SLA provides “specialized recovery services to the nation’s largest companies.” Specific information can only be accessed by clicking on a Commercial Debt link or a Consumer Debt link, and both of these links lead to pages requiring a username and password.
As for compliance, Stuart-Lippman & Associates cites membership in the National Association of Subrogation Professionals, the International Association of Commercial Collectors, and the American Collectors Association. However, there are no links or references to consumer protection resources, laws, or enforcement agencies. The payment portal does not contain any legal disclosures or disclaimers.
As of November 2017, the BBB has given SLA a rating of NR (No Rating). The BBB has closed 38 complaints against Stuart-Lippman & Associates, Inc in the past three years, with 11 closed in the past 12 months. Almost all of those complaints allege problems with billing and collections. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 23 complaints about SLA. Justia lists at least 2 cases of civil litigation naming Stuart-Lippman & Associates as a defendant.
Absolutely. Here are some Sample Cases against Stuart-Lippman & Associates Inc
Complaints against Stuart-Lippman & Associates frequently cite efforts to collect disputed debts that are often found not to be valid. In February 2017, a complainant indicated that he had been contacted by SLA representatives who were “rude and inconsiderate,” and who “forcibly tried to collect amounts in dispute even though the past due amounts had been settled.” The complainant further alleged that SLA threatened to ruin his small business by placing negative items on his credit report. He provided details of the disputed debt, indicating that he had contacted the insurance company who had originally billed him. He indicated they had adjusted the outstanding balance and requested that he stay on the phone to make a payment to clear the balance, but after 20 minutes on hold, he hung up. Subsequently, the account was moved to collections despite his efforts to clear up a balance of only $100.99. The complainant posted documentation from the original creditor. The documentation included showed that the payment in question had been made. In addition, he posted subsequent email correspondence from the collection agency that indicated payment was still due and that threatened that a negative item would be placed on his credit report if he did not make the payment. In response, SLA conceded that the payment had been made, and indicated they would close the account and cease all credit reporting activity.
In September 2016, a complainant indicated Stuart-Lippman & Associates was trying to collect an outstanding balance from an insurance company. The complainant indicated that SLA’s initial collection letter demanded payment of $304. The complainant disputed the debt, and SLA’s response provided no further information. The complainant subsequently contacted the insurance company, who confirmed that there was no outstanding balance. A little over a month later, SLA sent the complainant a collection notice demanding payment for the disputed debt. SLA’s response to the complaint was that, “from backdating the cancellation, this customer does not owe any balance as of 8/05/2016,” well over a month prior to the date the complainant received his final collection notice. Stuart-Lippman & Associates closed the account, and indicated no further collection or credit reporting activity would follow.
Finally, also in September 2016, a complainant indicated that he had received a collection notice demanding payment for an outstanding balance with an insurance company. The complainant indicated further that he had never had any policies with the insurance companies indicated in the notice and confirmed this information with a supervisor at the insurance company. Calls to SLA were directed through a voice mail loop with no response. The insurance company indicated their belief that it may be fraud. In response, Stuart-Lippman & Associates indicated that that they received a call from the complainant disputing the debt, and another call indicating that he had validated the debt with the insurance company and paid it in full. SLA concluded by stating, “This file has not affected the complainant’s personal credit profile and he has been sent a letter that this file was paid in full.”
Stuart-Lippman & Associates, Inc.
5447 East Fifth Street, Suite 110
Tucson, Arizona 85711-2345
Telephone: (800) 880-5400
Understanding Your Debt Collection Rights
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 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.
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.
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