If you’re receiving unwanted, aggressive, or excessive calls from Armstrong & Associates, it’s essential to know that the Fair Debt Collection Practices Act (FDCPA) protects you from harassment and discrimination. Debt collection agencies, like Armstrong & Associates, are legally required to follow specific rules when contacting you regarding unpaid debts. However, many consumers experience intimidation, threats, and endless phone calls from these agencies, leaving them powerless. The good news is you don’t have to tolerate this kind of treatment.
The Wood Law Firm is here to help. You may be entitled to statutory damages of up to $1,000 and coverage of your attorney fees if Armstrong & Associates violates the FDCPA. We work on a no-win, no-fee basis, meaning you won’t pay anything out of your pocket. Protect yourself by understanding your rights and how you can end the harassment.
What Constitutes Armstrong & Associates Debt Collection Harassment?
Armstrong & Associates debt collection harassment can manifest in various ways. Have you received constant calls from Armstrong & Associates at inappropriate hours, or have they threatened legal action or wage garnishment? Perhaps they’ve even contacted your family or friends about your debt. If any of these situations sound familiar, what Armstrong & Associates did is illegal under the FDCPA.
Here are some common tactics debt collectors like Armstrong & Associates might use that violate the law:
Using threatening, abusive, or obscene language.
Calling you early in the morning or late at night.
Contacting you several times a day or over the weekend.
Talking to your neighbors, relatives, or employers about your debt.
Threatening legal action, wage garnishment, or to ruin your credit.
Attempting to collect more than what you owe.
Failing to inform you of your right to dispute the debt.
If Armstrong & Associates engages in any of the above behaviors, you may have a strong case against them. At The Wood Law Firm, we fight against these unlawful practices. Call us today at [+1 844-638-1122](tel:+1 844-638-1122) for a free consultation.
Nelson Cruz & Associates Debt Collection Harassment
Is Armstrong & Associates a Scam?
Many consumers ask whether Armstrong & Associates is a scam. While the company itself is not a scam—it’s a legitimate third-party debt collection agency—its methods often raise concerns.
Armstrong & Associates has been operating for over a century, but that doesn’t mean their practices are above scrutiny. According to recent complaints and lawsuits, Armstrong & Associates debt collection harassment remains a significant problem for many consumers. If you’ve experienced aggressive or illegal tactics, The Wood Law Firm can help you take action and potentially recover damages. They also provide legal representation and support to clients who have experienced wrongful termination, navigating complex legal issues surrounding employment law.
Who is Armstrong & Associates?
Located in Mobile, Alabama, Armstrong & Associates is a third-party debt collection agency that collects outstanding debts on behalf of other companies. It has been in business for over 100 years but has been involved in several federal cases accusing it of using illegal and harassing methods to collect payments.
If you’ve been on the receiving end of their aggressive tactics, know that you’re not alone. Seeking legal counsel can be crucial in dealing with harassment and employment disputes, ensuring your rights are protected and you receive fair compensation. Armstrong & Associates reviews suggest that many people have faced similar issues, and several consumers have filed Armstrong & Associates lawsuits in response to their actions.
Armstrong & Associates Collection Tactics
If you’re wondering whether your interactions with Armstrong & Associates cross the line into illegal territory, here’s a list of Armstrong & Associates collection tactics that customers have commonly reported:
Profanity and Verbal Abuse: Using inappropriate language to intimidate or shame you.
Inappropriate Timing: Calling you before 8 a.m. or after 9 p.m.
Persistent Calling: Repeatedly calling you or leaving multiple messages daily.
Disclosure of Debt: Discuss your debt with family members, neighbors, or colleagues without your consent.
Workplace Contact: Calling you at your place of employment despite being told to stop.
Legal Threats: They may threaten to sue you or imply that legal action is inevitable, even if they do not intend to follow through.
Criminal Accusations: Claiming you’ve committed a crime or falsely suggesting they could arrest you.
Debt Misrepresentation: Demanding payment for debts you do not owe or have already been settled.
Failure to Disclose Rights: We are notifying you about your right to dispute the debt or to rest verification.
In addition to these tactics, our firm also handles sexual harassment cases, understanding the emotional impact and powerlessness individuals may feel. Our attorneys provide supportive and knowledgeable assistance to help clients navigate through the sensitive nature of their cases.
Contact The Wood Law Firm immediately if any of these tactics sound familiar. By enforcing your rights under the FDCPA, we can help you fight against Armstrong & Associates’ threats and regain control.
Also read: Prince Parker & Associates Phone Harassment
What Are the Armstrong & Associates Phone Numbers?
Have you received calls from any of these Armstrong & Associates phone numbers?
251-432-3523
800-226-8470
205-561-2802
251-434-0644
251-338-2155
800-940-4357
251-434-6428
These are known numbers associated with Armstrong & Associates collectors. However, even if a different number appears on your caller ID, it could still be from them.
If you’ve received harassing calls from these numbers or any others you suspect are from Armstrong & Associates, don’t wait—reach out to us. We’ll work with you to stop the calls and hold them accountable for illegal tactics.
Common Questions About Armstrong & Associates Debt Collection
When dealing with debt collectors like Armstrong & Associates, it’s common to have many questions. Here are a few frequently asked questions we hear from clients:
Is Armstrong & Associates a scam?
No, Armstrong & Associates is a legitimate debt collection agency. However, they are known to use tactics that could be illegal under the FDCPA.Can Armstrong & Associates garnish my wages?
In some cases, yes. Armstrong & Associates may garnish your wages if they’ve obtained a court judgment or the debt is related to a federal student loan.Can Armstrong & Associates sue me?
Yes, they can sue you if the debt is within the statute of limitations. However, they cannot threaten legal action if they don’t plan to follow through.Can Armstrong & Associates report my debt to credit bureaus?
Yes, debt collectors can report unpaid debts to credit reporting agencies.Can Armstrong & Associates arrest me?
No, they cannot arrest you. However, a warrant could be issued for your arrest if a court has ordered you to appear and fail to do so.
Recent Armstrong & Associates Lawsuits
Armstrong & Associates has been the subject of several lawsuits related to their debt collection practices. Here’s a snapshot of some legal actions filed against them in the last few years:
Weaver v. Armstrong & Associates: Filed in 2019, this case involved allegations of illegal harassment to force a payment.
Doss v. Armstrong & Associates: This case from the early 1990s saw similar complaints regarding collection practices.
Rosen v. Armstrong & Associates: Another federal case alleging abusive communication from the agency.
Barnes v. Armstrong & Associates: This case involved threats of wage garnishment and legal action without merit.
Paine v. Armstrong & Associates: Filed in 2016, the case centered on illegal communication tactics.
These lawsuits underscore the agency’s history of violating consumer rights. If you feel Armstrong & Associate’s debt collection harassment has affected you, consider filing your case. Our experienced attorneys at The Wood Law Firm can handle these situations.
Also read: Gragil Associates Debt Collection Harassment
Dealing with Armstrong & Associates
Dealing with Armstrong & Associates can be a challenging and stressful experience, especially when it comes to debt collection. It’s essential to understand your rights and the laws that protect you from harassment and abuse. The Fair Debt Collection Practices Act (FDCPA) regulates the behavior of debt collectors, including Armstrong & Associates, and prohibits practices such as contacting you at inconvenient times, using abusive language, and making false or misleading statements.
If you’re being contacted by Armstrong & Associates, it’s crucial to know your rights and how to respond. You have the right to dispute a debt in writing, and the collection agency must cease collection activity until they provide validation of the alleged debt. You also have the right to request a written validation notice, which must include the amount of the debt, the name of the creditor, and a statement indicating that you have the right to dispute the debt.
Understanding these rights can empower you to take control of the situation and ensure that you are not subjected to unfair or illegal practices. Remember, you don’t have to face this alone—resources and legal protections are available to help you navigate these challenging interactions.
Taking Action Against Armstrong & Associates
If you believe that Armstrong & Associates has violated your rights under the FDCPA, you may be able to take legal action against them. You can file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General’s office, or you can consult with a consumer protection attorney who can help you determine the best course of action.
In some cases, you may be eligible for punitive damages, which can include compensation for emotional distress, anxiety, and other damages caused by the debt collector’s actions. A consumer protection attorney can help you navigate the legal process and ensure that your rights are protected. They can provide the expertise needed to build a strong case and hold Armstrong & Associates accountable for their actions.
Taking legal action not only helps you seek justice but also sends a message to debt collectors that abusive and illegal practices will not be tolerated. It’s a crucial step in protecting your rights and achieving fair compensation for the harassment you’ve endured.
Preventing Future Harassment
To prevent future harassment from Armstrong & Associates or other debt collectors, it’s essential to take proactive steps to protect your rights. Here are some tips:
Keep a record of all communication with the debt collector, including dates, times, and details of conversations. This documentation can be invaluable if you need to file a complaint or take legal action.
Send a cease and desist letter to the debt collector, indicating that you do not want to be contacted again. Under the FDCPA, they must comply with this request, except to inform you of specific actions like a lawsuit.
Consider working with a credit counselor or debt management company to help you manage your debt and avoid future collection activity. These professionals can provide guidance and support to help you get back on track financially.
Educate yourself on your rights under the FDCPA and other consumer protection laws. Knowledge is power, and understanding your rights can help you stand up to debt collectors and prevent harassment.
By taking these steps, you can help prevent future harassment and protect your rights as a consumer. Remember, you have the right to be treated with respect and dignity, and you should not tolerate abusive or harassing behavior from debt collectors. Taking proactive measures can provide peace of mind and ensure that you are prepared to handle any future interactions with debt collectors.
How The Wood Law Firm Can Help You Fight Armstrong & Associates
At The Wood Law Firm, we specialize in protecting consumers from aggressive debt collectors like Armstrong & Associates. If you’re tired of the endless calls, the threats, and the stress that comes with being in debt, we’re here to help.
We operate on a no-win, no-fee basis, meaning you won’t owe us a penny unless we win your case. Our team has years of experience dealing with Armstrong & Associates debt collection harassment, and we’re ready to put our knowledge to work for you. You could be eligible to receive up to $1,000 in statutory damages, and The Wood Law Firm will work to ensure you receive the compensation and peace of mind you deserve.
Also read: Wakefield & Associates Phone Harassment
Success Stories: Clients Who Stopped Armstrong & Associates Phone Harassment
Here’s what some of our satisfied clients have to say about working with The Wood Law Firm
“I never knew Armstrong & Associates phone harassment was illegal until I spoke with The Wood Law Firm. They guided me through the entire process and got me the compensation I was entitled to.”
“The team at The Wood Law Firm was professional and understanding. They took the time to explain my rights and helped me stop the harassment. I’m so thankful for their assistance.”
If you’re dealing with similar issues, you don’t have to face it alone. The Wood Law Firm has helped clients nationwide end harassing collection calls and fight against illegal debt collection practices. Let us do the same for you.
Understanding Your Consumer Rights Under the FDCPA
One of the best tools you have in fighting back against Armstrong & Associates debt collection harassment is the Fair Debt Collection Practices Act (FDCPA). This federal law regulates the behavior of debt collectors and gives you the right to dispute any debt and demand verification. Here are some critical rights protected under the FDCPA:
The Right to Dispute the Debt: You can request a written verification of the debt within 30 days of the initial communication.
The Right to Cease Communication: You can send a letter demanding that Armstrong & Associates stop contacting you. After receiving the letter, they can only contact you to inform you of specific actions, like a lawsuit.
Protection from False Claims: Debt collectors cannot falsely represent the amount you owe or claim you owe debts you do not.
The Right to Privacy: Collectors cannot discuss your debt with anyone other than you, your spouse, or your attorney.
The Right to File a Lawsuit: If Armstrong & Associates violates your rights, you can sue them for damages.
Understanding these rights allows you to regain control over your situation and stop illegal tactics. At The Wood Law Firm, we’ll help you leverage the FDCPA to defend yourself against Armstrong & Associates and other debt collectors who cross the line.
Also read: Simms Associates Phone Harassment
Contact The Wood Law Firm Today
If you’re dealing with Armstrong & Associates debt collection harassment, it’s time to take action. Don’t let the constant calls, threats, and stress continue to affect your life. Contact The Wood Law Firm today for a free consultation, and let us help you end the harassment. With our no-win, no-fee approach, you have nothing to lose and everything to gain.
Call us at or fill out our contact form on our website. Let’s work together to protect your rights and ensure Armstrong & Associates pays for their unlawful practices.
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