The Stark Agency, Inc. (TSA) is a third-party collection agency based in Wisconsin. TSA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including making false statements and attempting to collect debts not owed. If you have been contacted by TSA, make sure you understand your rights before responding.
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According to the Better Business Bureau (BBB), The Stark Agency, Inc. is a legitimate collection agency founded and incorporated in 1948. The BBB established a profile page for TSA in 1996. TSA is listed as a collection agency that uses the alternate business name, Check Recovery Solutions. Buzzfile estimates TSA’s annual revenue at $2.5 million and the size of its headquarters staff at 18 employees.
According to its website, Stark Agency “is a full-service accounts receivable solutions firm that …remains one of the most highly regarded collection firms in the upper Midwest.” TSA has “successfully helped countless organizations strengthen their profitability and improve their cash flow,” with a mission of “delivering successful collection results through partnerships built on respect and integrity.”
TSA’s full range of services includes an early out program “through which…they contact… clients’ non-paying customers via personalized letters or phone calls… to allow for dispute resolution before sending the account to collection.” The letter service program “provides personalized payment delinquency notifications to… non-paying customers.” TSA’s calling campaigns use “sophisticated web-based predictive dialing to…increasee…debtor contacts.” Their asset search and trial process management division “provides complete asset search services to determine whether or not an account is suit-worthy.” In addition, TSA provides skip tracing; credit bureau listings; second placement programs; consulting and training; and free online client access.
TSA collects delinquent debts for a variety of business and industries, including government agencies; check collection and retail theft recovery; healthcare and private sector telecommunications, financial services, and property management; public sector telecommunication collections; insurance subrogation; and rent and damage claims.
Starks’s Resources page includes extensive links to trade and consumer resources, including the Federal Trade Commission (FTC); the International Association of Credit and Collection Professionals (ACA International); the federal free annual credit report site; the BBB; and several state and local organizations.
The BBB has closed 19 complaints against The Stark Agency in the preceding 3 years, with 3 complaints closed in the past 12 months. Almost all of those complaints alleged problems with billing and collections. Since October 2015, the Consumer Financial Protection Bureau (CFPB) has closed 6 complaints against TSA. Justia lists at least 1 case of civil litigation involving TSA.
The Stark Agency, Inc.
6425 Odana Rd., Ste. 22
Madison, WI 53719-1189
Telephone: (608) 274-7764
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely TSA 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 Complaints
Complaints against The Stark Agency commonly cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies.
In March 2018, a complainant indicated she had made repeated efforts to contact TSA regarding items that had been reported on her credit report. She alleged that there were 3 items from the same company from 5 years previously, all of them attributable to the same account. She alleged that when she saw the discrepancy, she called and immediately paid all the items. She was assured that the information would be updated, but she claimed that as of the date of the complaint, the inaccurate information was still appearing on her credit report. She contacted the credit reporting agencies to find out when they had received their latest update from TSA, and she alleged that the information she received from TSA conflicted with their response. The complainant stated that she had “been told over and over that TSA will report that the debt is paid in full; … and that they will remove the record from her report.” The complainant “told TSA that the credit bureau said they had not received such a request,” and that she told TSA that “the credit bureau said the balance owed hasn’t even been updated. Finally, … the bureau said they actually had received updates but they were only in relation to… her personal information; … had nothing to do with the fact that…she paid the debt; and that they had not received a request for … the item to be removed from …her report.”
The complainant expressed frustration that the already difficult task of requesting corrections to her credit report was apparently being made unnecessarily more difficult by The Stark Agency. She complained that she had paid the debt in full but was now “having to pull teeth and was being given the run around; …and was spoken to rudely and passed along to the next person.” The complainant stated that TSA is “super report happy when someone DOESN’T pay something. They should be just as quick and diligent to update these items when something IS paid.” In its response, TSA indicated their belief that they had upheld their legal obligations and that they have no control over the conduct of the credit reporting agencies.
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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