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A-1 Collection Service a Division of Traf Group Inc

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Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 4 Comments

    1. Frank S. on March 25, 2015 at 11:12 pm

      There are two A-1 Collection Service accounts that have incorrectly hit both my credit report with derogatory information. After calling A-1 Collection Service the last time, the gentlemen on the phone threatened me and implied that I was a deadbeat by saying ” if you paid your bills on time this would not have happened” without even ever listening to me. A-1 Collection Service has refused to stop collection and continues to call my home and my cell phone.

    2. Mercedes W. on April 12, 2015 at 1:09 pm

      I sent A-1 Collection Service two letters to validate an alleged debt. I have yet to hear from A-1 Collection Service.

    3. Michael J. on May 10, 2015 at 10:34 pm

      A-1 Collection Service sent me a notice saying I owed $100. Then A-1 Collection Service sent me another notice saying I owed $400. Same account number. How could my debt to A-1 Collection Service grow so much in less than a month?

    4. [anonymous] on May 29, 2015 at 10:34 pm

      A-1 Collection Service sends me a bill looking for $100. Then A-1 Collection Service sends me a bill looking for $700. Then A-1 Collection Service tells me $400 on the phone.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.