How to Stop The Advantage Group Phone Harassment
If you’re receiving constant phone calls from The Advantage Group, you could be dealing with potential phone harassment. Are they calling your family, friends, or coworkers about a debt you supposedly owe? Do they contact you multiple times a day, at unreasonable hours, or threaten legal action? If so, it’s time to take action.
If you believe these tactics are harassing you, you have the right to stop The Advantage Group from continuing this behavior. Also, if you think this company may have violated your rights under the Fair Debt Collection Practices Act (FDCPA), you could potentially be entitled to up to 💸$1,000 in statutory damages. At The Wood Law Firm, we’re ready to help put an end to harassment. We don’t charge for consultations, and our legal services come with no upfront cost to you.
What is The Advantage Group?
The Advantage Group is a debt collection agency based in Thornton, Colorado. Over the years, they have faced allegations of improper debt collection tactics from various consumers. Despite being in business for over 26 years, the company has received numerous complaints regarding their collection practices.
If you’re wondering why is The Advantage Group calling me, they may be attempting to collect on a debt they claim you owe. However, this doesn’t give them the right to use potentially harassing tactics.
Their office is located at:
📌 Address: 500 E. 84th Ave. #C-6, Thornton, CO 80229
☎️ Phone Number: (303) 288-1455
The Advantage Group Collection Practices: What May Be Illegal?
Strict rules under the FDCPA govern debt collectors, such as The Advantage Group. However, some collectors may violate these rules. If you’ve encountered any of the following, you may have a case:
- 👉 Using abusive language or profanity during calls
- 👉 Calling before 8:00 a.m. or after 9:00 p.m.
- 👉 Repeated calls multiple times a week or at inappropriate times
- 👉 Discussing your debt with people outside your household, like your friends or family
- 👉 Contacting your workplace about your debt
- 👉 Threatening to sue, garnish wages, or destroy your credit
- 👉 Making false claims that you’ve committed a crime
- 👉 Calling for the wrong person or about the wrong debt
- 👉 Failing to notify you about your right to dispute the debt
- 👉 Attempting to collect more than the amount legally owed
If any of these tactics sound familiar, it’s important to understand that these actions may violate federal law. These potentially aggressive, misleading, and intrusive practices can cause significant emotional distress and jeopardize your financial future.
If you’re being harassed by The Advantage Group debt collectors, you don’t have to face this alone. Debt collectors may pressure you into paying a debt you don’t owe or use questionable means to collect funds. If you believe they have made such threats or engaged in other potentially unlawful actions, it’s important to seek legal help. Don’t let this behavior continue—protect your rights and hold them accountable for their actions.
Is The Advantage Group a Real Debt Collector?
Many consumers question whether The Advantage Group is a real debt collector or another scam operation. Despite operating for over 26 years, this company has faced many complaints, including cases filed with the Better Business Bureau.
While they’re a legitimate debt collection agency, experiencing aggressive collection methods can make consumers question their practices. If you believe their methods seem deceptive or intrusive, you’re not alone in feeling this way.
The key question isn’t just whether they’re real—it’s whether their tactics comply with federal consumer protection laws.
What to Do If The Advantage Group Is Harassing You
If you believe The Advantage Group is harassing you, here’s what you should do:
- Document Everything: Keep records of all calls, including dates, times, and what was said
- Know Your Rights: Familiarize yourself with FDCPA protections
- Request Written Validation: Ask them to verify the debt in writing
- Stop Communication: Send a cease and desist letter if needed
- Seek Legal Help: Contact a consumer protection attorney
As a consumer, the FDCPA affords you specific protections under federal law designed to safeguard you from potentially abusive debt collection practices. One of the key pieces of legislation that protects your rights is the Fair Debt Collection Practices Act (FDCPA). The FDCPA sets clear boundaries on what debt collectors, including The Advantage Group, can and cannot do when attempting to collect debts.
Also read: Central Management Group Debt Collection Harassment
How to Stop Debt Collection Calls from The Advantage Group
To stop debt harassment from The Advantage Group, you have several options:
Option 1: Send a Written Cease Communication Request: Under the FDCPA, you can request that a debt collector stop contacting you. Send a certified letter requesting that they cease all communication.
Option 2: Dispute the Debt: If you believe the debt isn’t yours or the amount is incorrect, send a debt validation letter within 30 days of their first contact.
Option 3: File a Complaint: You can report The Advantage Group to the CFPB or FTC if you believe they’ve engaged in harassing behavior.
Option 4: Legal Action You may be able to sue The Advantage Group for phone harassment if they’ve violated the FDCPA. This can result in statutory damages and attorney fees.
Protection Against The Advantage Group Phone Harassment
Under the FDCPA, The Advantage Group is prohibited from engaging in certain types of behavior that may be considered harassment. These actions include:
- ➡️ Abusive Language: Debt collectors cannot use threatening or profane language when communicating with you. Any use of insults, threats of harm, or hostile behavior may be a violation of the law.
- ➡️ Misleading Threats: They cannot falsely claim that they can take actions that are not legally possible, such as threatening you with jail time or claiming they will seize your property without following the correct legal procedures.
- ➡️ Contacting You at Unreasonable Hours: Debt collectors can only contact you between 8:00 AM and 9:00 PM. If The Advantage Group violates these rules, you may be within your rights to take action.
- ➡️ Repeated Contact: Constant phone calls, especially multiple times daily, may be considered harassment. They shouldn’t bombard you with excessive calls, and you can request that they stop.
- ➡️ Contacting Third Parties: The Advantage Group cannot contact your family, friends, or coworkers about your debts. They cannot share details about your financial situation or suggest that others should intervene on your behalf. If they do, this may violate your privacy and consumer rights.
If you believe The Advantage Group has engaged in any of these behaviors, you may be entitled to compensation for the harassment you have endured. Under the FDCPA, victims can seek up to 💸$1,000 in statutory damages, and in some cases, this amount can be increased depending on the severity of the potential violation. Moreover, you may also be entitled to have your legal fees covered, meaning that pursuing a case against them can potentially be done at no personal cost to you.
The Advantage Group Phone Number Harassment
If you’re receiving harassing phone calls, be on the lookout for the following numbers:
These are common numbers used by The Advantage Group. The calls may come from different numbers, but if you believe they’re from this company and the harassment continues, it may be illegal.
If you recognize any of these numbers and believe you’re experiencing The Advantage Group phone number harassment, don’t hesitate to contact The Wood Law Firm. We can help stop the harassment and protect your rights.
Also read: Asset Acquisition Group Harassment
Can The Advantage Group Garnish My Wages?
Yes, but only under specific circumstances. The Advantage Group can potentially garnish your wages if they obtain a court judgment against you. They are authorized to garnish wages in cases involving federal student loans, but only after a court order is issued. They cannot garnish wages without first winning a case in court.
If you’re concerned about The Advantage Group’s attempts to garnish your wages, getting legal help is crucial. The Wood Law Firm can help you understand your rights and potentially stop the wage garnishment process.
Can The Advantage Group Sue Me?
They can sue you for unpaid debts, but only if certain conditions are met. The Advantage Group may file a lawsuit if the debt is within the statute of limitations. The statute of limitations for debt collection varies by state but typically ranges from three to six years. After this time, they cannot sue you for the debt, but they may still attempt to collect it through other means.
If they file a lawsuit against you, it’s essential to respond promptly. Failing to respond could result in a default judgment against you, allowing them to pursue garnishment or other legal actions.
Can The Advantage Group Report My Debt to Credit Bureaus?
Yes, they can report your debt to the credit bureaus. If The Advantage Group reports your debt, it can affect your credit score and make it harder to obtain credit in the future. However, you have the right to dispute inaccurate information on your credit report. If you believe that The Advantage Group has reported incorrect information, you can contact the credit bureaus and challenge it.
Can They Arrest Me?
No, debt collectors like The Advantage Group cannot arrest you for failing to pay a debt. However, a judge may issue a warrant for your arrest if you violate a court order, such as missing a scheduled court appearance related to your debt.
You may face arrest in certain situations, such as failing to pay child support or traffic tickets. However, The Advantage Group cannot have you arrested solely for unpaid debt. If they’ve threatened you with arrest, this may be a violation of the FDCPA.
Can I Report The Advantage Group for Harassment?
Yes, you absolutely can report The Advantage Group for harassment. If you believe they’ve violated your rights under the FDCPA, you have multiple options for filing complaints:
Report The Advantage Group to the CFPB or FTC
- Consumer Financial Protection Bureau (CFPB):
- File online at consumerfinance.gov
- Call (855) 411-2372
- Federal Trade Commission (FTC):
- File online at reportfraud.ftc.gov
- Submit a complaint about debt collection practices
- State Attorney General:
- Contact your state’s attorney general office
- File a complaint about deceptive practices
Filing these complaints creates a record of potential violations and helps protect other consumers from similar treatment. When you file a complaint against The Advantage Group, include all documentation of their contact attempts and any potentially harassing behavior.
The Advantage Group Debt Collector Complaints
If you’re wondering whether The Advantage Group has faced legal action, the answer is yes. Here are a few examples of past complaints filed against them:
- 👉 6:03-cv-00722-GKS-JGG VCM Ventures Enter v. Advantage Group
- 👉 1:13-cv-01089-MV-SMV Fraire v. Advantage Group
- 👉 1:12-cv-02819-REB-MEH Chavez v. The Advantage Group
- 👉 1:15-cv-02517-MSK-CBS Longoria v. Advantage Group
These cases show indications of possible violations of consumer rights. Common The Advantage Group debt collector complaints include:
- 👉 Excessive calling and potential harassment
- 👉 Contacting family members or employers
- 👉 Threatening language or false claims
- 👉 Attempting to collect debts not owed
- 👉 Failing to verify debts properly
- 👉 Reporting inaccurate information to credit bureaus
These patterns show that you’re not alone if you’re experiencing similar issues. If you’re facing similar problems, we can help you understand your options and potentially file a lawsuit to get the justice you deserve.
Also read: Revenue Group Debt Collection Harassment
Legal Help Against The Advantage Group Harassment
If you believe you’re dealing with harassment from The Advantage Group, you don’t have to face it alone. At The Wood Law Firm, we specialize in protecting consumers from potentially abusive debt collection practices. We can help you:
- Stop the harassing phone calls
- Sue The Advantage Group for phone harassment if they’ve violated the FDCPA
- Recover statutory damages up to $1,000
- Get your attorney fees covered
- Restore your peace of mind
Our experienced team has helped countless clients fight against questionable debt collection tactics, and we can do the same for you. We’ve successfully handled numerous cases involving The Advantage Group FDCPA violations.
Frequently Asked Questions About The Advantage Group
1. Why is The Advantage Group calling me?
The Advantage Group is calling you because they believe you owe a debt. They may be collecting on behalf of an original creditor or may have purchased the debt. However, you have the right to request verification of this debt and dispute it if you believe it’s not yours or the amount is incorrect.
2. Is The Advantage Group a real debt collector?
Yes, The Advantage Group is a legitimate debt collection agency based in Thornton, Colorado, operating for over 26 years. However, being a real company doesn’t exempt them from following federal laws like the FDCPA. If you believe their tactics are aggressive or harassing, you have legal protections.
3. How many times can The Advantage Group call me per day?
While the FDCPA doesn’t specify an exact number, repeatedly calling multiple times per day may be considered harassment. If you believe The Advantage Group is calling excessively, document each call and contact a consumer protection attorney.
4. Can I sue The Advantage Group for phone harassment?
Yes, if you believe The Advantage Group has violated the FDCPA, you may be able to sue them for harassment. Successful claims can result in statutory damages up to $1,000, plus actual damages and attorney fees. Contact The Wood Law Firm for a free consultation.
5. How do I stop debt collection calls from The Advantage Group?
You can stop calls by sending a written cease communication request via certified mail. Under the FDCPA, they must stop contacting you once they receive this request, except to notify you of specific actions like filing a lawsuit.
6. What to do if The Advantage Group is harassing you?
If you believe The Advantage Group is harassing you, document all interactions, send a debt validation letter, file complaints with the CFPB and FTC, and contact a consumer protection attorney. Don’t ignore the situation—take action to protect your rights.
7. Can The Advantage Group contact my family or employer?
No, The Advantage Group generally cannot discuss your debt with family members, friends, or your employer. Doing so may violate the FDCPA’s prohibition against third-party disclosure. If this has happened to you, you may have grounds for a legal claim.
8. How do I report The Advantage Group to the CFPB or FTC?
You can file a complaint with the CFPB online at consumerfinance.gov or by calling (855) 411-2372. For the FTC, visit reportfraud.ftc.gov. Both agencies track consumer complaints and may take action against companies with patterns of violations.
9. What are common The Advantage Group FDCPA violations?
Common potential violations include calling outside of permitted hours (before 8 AM or after 9 PM), using abusive language, making false threats, contacting third parties about your debt, failing to validate debts, and attempting to collect amounts not legally owed.
10. Can The Advantage Group garnish my wages without a court order?
No, The Advantage Group cannot garnish your wages without first obtaining a court judgment against you. If they threaten wage garnishment without a court order, this may be a false threat that violates the FDCPA.
11. What happens if I ignore The Advantage Group calls?
Ignoring calls won’t make the situation go away. If the debt is valid and within the statute of limitations, The Advantage Group may file a lawsuit. It’s better to verify the debt and understand your options rather than ignoring the calls.
12. How long can The Advantage Group try to collect a debt?
The statute of limitations for debt collection varies by state, typically ranging from 3 to 6 years. After this period, they cannot sue you for the debt, though they may still attempt collection. However, making a payment or acknowledging the debt can restart the clock.
13. Can I negotiate with The Advantage Group?
Yes, you can attempt to negotiate a settlement with The Advantage Group. However, get any agreement in writing before making payment, and be aware that settling a debt may still affect your credit report. Consider consulting an attorney before negotiating.
14. What information must The Advantage Group provide me?
Within five days of first contacting you, The Advantage Group must send a written validation notice that includes: the amount of the debt, the name of the creditor, a statement that you have 30 days to dispute the debt, and information about requesting verification.
15. Can I report The Advantage Group for harassment if they call multiple times a day?
Yes, you can report The Advantage Group for harassment if they’re calling excessively. File complaints with the CFPB, FTC, and your state attorney general. You may also have grounds to sue them under the FDCPA for damages and attorney fees.
Conclusion
If you’re dealing with The Advantage Group phone harassment, don’t wait any longer to take action. The Wood Law Firm is dedicated to protecting your rights and stopping harassment. We’ve helped clients like you fight against potentially unlawful debt collection practices and can help you, too.
Contact us today at 📲+1 844-638-1122 to get a free consultation and start the process of stopping the harassment. You don’t have to face this battle alone. Let us help you regain control over your life.
