American Agencies Ripoff greedy Torrance California

Dear Friends:

I am the Executive Director of Credit Campany and a Consultant.

Epicenter works on consumer disputes with creditors, debt collectors, and credit reporting agencies like Experian, Equifax, and Trans Union.

American Agencies is a fraudulent collector that does not comply with the FCRA & FDCPA.

My recommendation is to never pay this company a dime. Debt collectors are required to validate their debts under provisions of Section 809(b) of the federal Fair Debt Collections Practices Act (FDCPA).

The statute of limitations for delinquent debts is 4 years from the date of last activity on debts assumed under a written contract. Once the statute of limitations has elapsed, a creditor or debt collection cannot sue you for a judgment. The statute of limitation offers you an absolute defense.

If your credit has been damaged, which is very likely, you may have grounds for a small claim action for damage to your financial reputation. Keep all your documentation, including rejection letters for credit application.

Under the FCRA, you have the right to file disputes with each credit reporting agency (CRA) if you believe any of the information on your consumer profile is false or inaccurate. Information that cannot be verified has to be expunged from the credit report within 30 days.

Read more about FCRA & FDCPA on the Federal Trade Commission website. FTC also has a booklet, How to Dispute Errors On Credit Reports. Information is at no cost to you.

Consumers must be vigilant in their battles with the credit industry. The credit industry is a powerful lobby. Make smart and responsible decisions with your money. Do not support businesses that abuse and exploit, or lack quality customer service.

You are the customer, and business is here to meet your needs. Without you dollars if you are not receiving high quality treatment from a business or corporation.

Remember, be informed and make educated decisions about your personal financial affairs.

Please feel free to post below any questions, concerns, or comments.

I appreciate the opportunity to be at your service.

Sincerely,

Dear Friends:

I am the Executive Director of Credit Campany and a Consultant.

Epicenter works on consumer disputes with creditors, debt collectors, and credit reporting agencies like Experian, Equifax, and Trans Union.

American Agencies is a fraudulent collector that does not comply with the FCRA & FDCPA.

My recommendation is to never pay this company a dime. Debt collectors are required to validate their debts under provisions of Section 809(b) of the federal Fair Debt Collections Practices Act (FDCPA).

The statute of limitations for delinquent debts is 4 years from the date of last activity on debts assumed under a written contract. Once the statute of limitations has elapsed, a creditor or debt collection cannot sue you for a judgment. The statute of limitation offers you an absolute defense.

If your credit has been damaged, which is very likely, you may have grounds for a small claim action for damage to your financial reputation. Keep all your documentation, including rejection letters for credit application.

Under the FCRA, you have the right to file disputes with each credit reporting agency (CRA) if you believe any of the information on your consumer profile is false or inaccurate. Information that cannot be verified has to be expunged from the credit report within 30 days.

Read more about FCRA & FDCPA on the Federal Trade Commission website. FTC also has a booklet, How to Dispute Errors On Credit Reports. Information is at no cost to you.

Consumers must be vigilant in their battles with the credit industry. The credit industry is a powerful lobby. Make smart and responsible decisions with your money. Do not support businesses that abuse and exploit, or lack quality customer service.

You are the customer, and business is here to meet your needs. Without you dollars if you are not receiving high quality treatment from a business or corporation.

Remember, be informed and make educated decisions about your personal financial affairs.

Please feel free to post below any questions, concerns, or comments.

I appreciate the opportunity to be at your service.

Sincerely,

Dear Friends:

I am the Executive Director of Credit Campany and a Consultant.

Epicenter works on consumer disputes with creditors, debt collectors, and credit reporting agencies like Experian, Equifax, and Trans Union.

American Agencies is a fraudulent collector that does not comply with the FCRA & FDCPA.

My recommendation is to never pay this company a dime. Debt collectors are required to validate their debts under provisions of Section 809(b) of the federal Fair Debt Collections Practices Act (FDCPA).

The statute of limitations for delinquent debts is 4 years from the date of last activity on debts assumed under a written contract. Once the statute of limitations has elapsed, a creditor or debt collection cannot sue you for a judgment. The statute of limitation offers you an absolute defense.

If your credit has been damaged, which is very likely, you may have grounds for a small claim action for damage to your financial reputation. Keep all your documentation, including rejection letters for credit application.

Under the FCRA, you have the right to file disputes with each credit reporting agency (CRA) if you believe any of the information on your consumer profile is false or inaccurate. Information that cannot be verified has to be expunged from the credit report within 30 days.

Read more about FCRA & FDCPA on the Federal Trade Commission website. FTC also has a booklet, How to Dispute Errors On Credit Reports. Information is at no cost to you.

Consumers must be vigilant in their battles with the credit industry. The credit industry is a powerful lobby. Make smart and responsible decisions with your money. Do not support businesses that abuse and exploit, or lack quality customer service.

You are the customer, and business is here to meet your needs. Without you dollars if you are not receiving high quality treatment from a business or corporation.

Remember, be informed and make educated decisions about your personal financial affairs.

Please feel free to post below any questions, concerns, or comments.

I appreciate the opportunity to be at your service.

Sincerely,

Dear Friends:

I am the Executive Director of Credit Campany and a Consultant.

Epicenter works on consumer disputes with creditors, debt collectors, and credit reporting agencies like Experian, Equifax, and Trans Union.

American Agencies is a fraudulent collector that does not comply with the FCRA & FDCPA.

My recommendation is to never pay this company a dime. Debt collectors are required to validate their debts under provisions of Section 809(b) of the federal Fair Debt Collections Practices Act (FDCPA).

The statute of limitations for delinquent debts is 4 years from the date of last activity on debts assumed under a written contract. Once the statute of limitations has elapsed, a creditor or debt collection cannot sue you for a judgment. The statute of limitation offers you an absolute defense.

If your credit has been damaged, which is very likely, you may have grounds for a small claim action for damage to your financial reputation. Keep all your documentation, including rejection letters for credit application.

Under the FCRA, you have the right to file disputes with each credit reporting agency (CRA) if you believe any of the information on your consumer profile is false or inaccurate. Information that cannot be verified has to be expunged from the credit report within 30 days.

Read more about FCRA & FDCPA on the Federal Trade Commission website. FTC also has a booklet, How to Dispute Errors On Credit Reports. Information is at no cost to you.

Consumers must be vigilant in their battles with the credit industry. The credit industry is a powerful lobby. Make smart and responsible decisions with your money. Do not support businesses that abuse and exploit, or lack quality customer service.

You are the customer, and business is here to meet your needs. Without you dollars if you are not receiving high quality treatment from a business or corporation.

Remember, be informed and make educated decisions about your personal financial affairs.

Please feel free to post below any questions, concerns, or comments.

I appreciate the opportunity to be at your service.

Sincerely,

American Agencies has a very bad record with the Better Business Bureau and the Federal Trade Commission. The FTC is currently in the process of filing a lawsuit against American Agencies.

You stated the account was 7 years old. Considering a derogatory mark excluding Govt liens/loans, Bankruptcy will stay on your credit report for 7 years from the date of the last missed payment/activity. I would not bother with it and contact SBC Corporate office and pay them directly. PacBell is now SBC. SBC Corp is based out of San Antonio Texas.

The Statute of Limitations for SBC or American Agencies is 4 years. That has expired. Do not deal with American Agencies. If I was you, I would contact the Better Business Bureau and file a complaint online.

Next, I would contact the Federal Trade Commission-Western Region based out of San Francisco and file the complaint with them.