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Niagara Credit Solutions Inc

Address:

420 Lawrence Bell Drive, Suite #2
Williamsville, New York 14221-8820

Contact Them:

888-841-3131
716-681-6816
800-381-0416

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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. Al S. on March 31, 2015 at 11:14 pm

      I told Niagara Credit Solutions that I disputed a debt they e mailed me about. With that, the rep at Niagara Credit Solutions became confrontational and mocking before hanging up the phone up on me.

    2. Thelma C. on April 18, 2015 at 10:40 pm

      I just received a call from a rep at Niagara Credit Solutions Inc and the experience has left me very upset. First thing Niagara Credit Solutions Inc did was threaten me with wage garnishment without offering any other payment options.

    3. Jackie V. on May 16, 2015 at 8:31 pm

      I just received a call from a rep at Niagara Credit Solutions and the experience has left me very upset. First thing Niagara Credit Solutions did was threaten me with Wage Garnishment without offering any other payment options. Secondly, when I asked about a monthly payment plan, Niagara Credit Solutions lied and stated that the option was available only to put me on hold and to get back on the line and tell me that it was no longer available to me because they have tried to contact me on numerous occasions and I have not responded.

    4. Caroline B. on October 4, 2015 at 10:26 pm

      Niagara Credit Solutions Inc is collecting on a credit card account I never had. I told Niagara Credit Solutions Inc I haven’t had a credit card in almost ten years. Niagara Credit Solutions Inc doesn’t care.

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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.