The Advantage Group, headquartered in Albuquerque, New Mexico, is a collection agency that specializes in the collection of medical, retail, utility bills and telephone bills. Advantage Group is a traditional third-party debt collector, operating on a contingency basis. In other words, they only make money if they collect on the accounts that are placed with them. Since the Advantage Group’s income is based on how much they can collect from you, their debt collection agents are highly motivated to use every tool at their disposal to get that money from you.
While the Advantage Group claims that all of their agents are trained and abide by the provisions of the Fair Debt Collection Practices Act, complaints from consumers tell a different story. The complaints on consumer discussion boards allege that debt collectors from the Advantage Group pester family members and neighbors for information and use rude and abusive language in dealing with consumers. Both of these things are strictly forbidden by the FDCPA.
Advantage Group also appears to sometimes use the names ACS and Albuquerque Collection Service interchangeably. Many consumers report receiving daily telephone calls purporting to be from ACS or Advantage Group. There are also consumers who report that the Advantage Group may have improperly reported debts to credit reporting agencies.
Stop Advantage Group Harassment
No debt collector has the right to harass you, insult you or call you names. If you’re receiving harassing telephone calls from Advantage Group, you can tell them to stop calling you, and under the provisions of the Fair Debt Collection Practices Act, they must cease all contact with you, except to inform you if they are ceasing collections or initiating legal action against you.
Defend yourself against debt collector harassment and abuse by following these steps.
- Keep a log of any debt collector calls. Include the date and time of the call, the telephone number from which it originated if you have caller I.D., the name of the person making the call and any significant details of the conversation.
- If you have not already received one, request that the debt collector send you validation of the debt. By law, the debt collection agency is supposed to send you that information within five days of originally contacting you but sometimes debt collectors skip this important step.
- Inform the debt collector that you do not want the company to call you again regarding this debt and end the call.
- Follow up with a letter to the company telling them to stop calling you about this debt. If you send the letter via certified mail, receipt requested, you’ll have proof that the letter was delivered.
If a debt collector – whether from the Advantage Group or another debt collection agency – continues to harass you, or if you want help dealing with their harassment, contact an attorney experienced in fair debt law. If you choose to sue the company and the court finds that they have violated the provisions of the Fair Debt Collection Practices Act, a debt collection agency may be required to pay you damages of up to $1,000, as well as covering any court and attorney fees.
Advantage Group Contact Information
The Advantage Group
5310 Homestead Rd. NE, Bldg 1-B
Albuquerque, NM 87110
Lemberg & Associates’ team
of consumer attorneys is highly
skilled and ready to help you
with debt collector abuse.
If you have been the victim of harassment or illegal or unfair debt collection practices, Lemberg & Associates will discuss your options with you and protect your rights. For more information, contact Lemberg & Associates today at .
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