U.S. Collections West USCW Collections Complaints. Stop the Calls

Many consumers bring up complaints about harassing collection calls

U.S. Collections West Inc or USCW is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is U.S. Collections West – USCW?

U.S. Collections West , Inc. (USCW) is a third-party collection agency based in Arizona. USCW has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including illegal communication tactics and misrepresentation. If you have been contacted by USCW, make sure you understand your rights before responding.

Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is U.S. Collections West a scam?

According to the Better Business Bureau (BBB), U.S. Collections West is a legitimate collection agency, founded and incorporated in 1986. The BBB opened its file in 1988. USCW is listed as a collection agency and has a secondary website located at www.ethicalaz.com/uscollectionswestinc. Buzzfile estimates USCW’s annual revenue at $4.4 million and the size of its staff at 42 people.

According to its primary website at www.uscollectionswest.com, USCW “incorporates innovation and experience to produce the leading percentiles for our customers.” USCW collects “all types of debt” and does not specify or limit the industries it serves. Their collection services include civil debt litigation, pre-collect service, credit reporting, consumer online payment solutions, and online client login.

USCW’s collection staff accepts accounts on a contingency basis and also purchases debt. Their contingency rates are based on the age of the account; the account balance; the volume of accounts placed; and the type of account with regard to its “collect-ability.” USCW pays court costs and attorney fees for litigated claims up front. Pre-collect services include standard per-letter rates for litigated and non-litigated accounts. USCW offers several options for clients interested in assigning accounts for collection.

The USCW website contains a client service guarantee, but no references or links to consumer protection resources, laws, or agencies. There is also no information about USCW’s compliance policies or employee training.

How many Complaints are there against U.S. Collections West – USCW?

The BBB has closed 23 complaints against USCW in the past three years, with 9 complaints closed in the past 12 months. Almost all of those complaints allege problems with billing and collection. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 33 complaints against USCW. Justia lists 6 cases of civil litigation naming USCW as a defendant.

Contact Information

U.S. Collections West, Inc.
P.O. Box 39695
Phoenix, AZ 85069
Telephone: (888) 254-6967
Website: http://www.uscollectionswest.com/

Can U.S. Collections West Sue Me or Garnish My Wages?

It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely USCW 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!

Click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. Our services are absolutely FREE to you

Can you help me file a No Fee Lawsuit against U.S. Collections West Inc?

Absolutely. Here are some Sample Cases

In June 1998, in United States District Court for the District of Arizona, a judge issued a Memorandum and Order in a case alleging violations of the Fair Debt Collections Practices Act (FDCPA). In this case, the plaintiff had rented an apartment in 1995 and later defaulted on the lease. The property manager for the apartment complex obtained a judgment against the plaintiff and assigned it to U.S. Collections Westfor collection. In 1996, USCW mailed the plaintiff four letters, each attempting to collect a different amount. Later in 1996, USCW filed an Application for Writ of Garnishment of the plaintiff’s earnings with an assignment to the property management company in the amount of $832.80. The amount of the judgment in the writ entered by Scottsdale Justice Court was $702.77. The USCW representative who applied for the writ was not an attorney.

The plaintiff cited violations of the FDCPA on four counts:

1. The difference in the amount of the debt stated in the assignment and the writ constituted a violation of the FDCPA’s prohibition against “falsely representing the amount of a debt in order to collect a debt.”
2. The non-attorney USCW representative’s signing of the application for writ of garnishment violated the FDCPA’s prohibition against using “any false, deceptive, or misleading representation or means in connection with the collection of any debt,” because such actions can only be taken by an attorney.
3. The act of filing the application for the writ of garnishment constituted a violation of the FDCPA’s prohibition against threatening to take actions that cannot legally be taken.
4. USCW’s actions constituted actions intended to “harass, oppress, or abuse” a debtor.

USCW argued that its violation on count 1 should be excused on the basis of the “bona fide error” defense because it relied on the figures supplied by the property manager. The court disagreed, because the “bona fide error” defense only works when the accused can prove that they had a process in place to prevent the error and used it. The court found in favor of the plaintiff on count 2, citing the Arizona Supreme Court’s broad definition of “practice of law,” and the requirement that practitioners be registered with the Arizona State Bar. USCW attempted to argue it was not guilty on count 3 because they did not threaten to take actions they could not legally take; they actually took the action. The court disagreed and found for the plaintiff. However, the court found that the plaintiff had not carried the burden of proof showing an intent to “harass, oppress, or abuse,” so left that issue for a jury to decide.

U.S. Collections West USCW Calling You?

Understand your debt collection rights

The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate how collection agencies may conduct themselves.

The FDCPA prohibits actions such as the use of abusive or threatening language; or the use of false or misleading information to collect a debt.

The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).

The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when attempting to communicate with collection agencies.

These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are having difficulty resolving a dispute with a collection agency.

Want to Stop Debt Collection Harassment Now?

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

“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”

“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.

“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”

Can You Help Me Delete U.S. Collections West USCW from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

3 COMMENTS
  • michel adams

    I’m a previous employee…I’ve filed a eeoc complaint and a labor board complaint…are you willing to do anything pro-bono w/ a large fee for your firm to pursue Mr. Don Darnell’s other illegal tactics?

  • Traci E Owen

    I have a debt with USCW that I have to pay off before I can rent an apartment. I have been trying for over a year to contact them and start making payments, however, no matter how many messages I’ve left, no one ever calls me back and I have been unable to move out of my in-law house. There’s no way to get it resolved online, and it’s really starting to make me wonder if I’m ever going to be able to rent again, and my in-laws are about to sell their house! I’m getting desperate and I don’t know what to do!!

  • Brent L

    I have been harassed by US Collections West for going on 6 years now. I got a letter the other day stating that they are going to garnish my wages. I rented an apartment from December 2011 to December 2013. The last few months of the lease I let a friend move in there and she wound up not paying the rent for the last month. They actually evicted her out of there. I bought my house this year in February this debt came up but was instructed by my mortgage broker to ignore it because if I paid it off it would be acknowledging the debt and my credit score would go down causing my interest rates to go up. Anyways attached to the letter was an eviction judgement from 2014 which I didn’t quite get because the apartment was vacated in 2013.

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