Axiom Resources, Inc. (ARI) is a third-party collection agency based in Florida that specializes in collecting delinquent accounts for real estate management companies and municipalities. ARI has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as failing to verify debts and using false or misleading language in an effort to collect a debt. If ARI has contacted you about past due collection items,make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Axiom Resources , Inc. is a legitimate collection agency that uses the alternate business name, The Axiom Group. The BBB does not indicate when ARI was founded, and there is a notice on the profile page indicating ARI has not yet claimed its BBB profile. The BBB established its profile page for ARI in 2017.
According to its website, ARI was originally founded in 2011 as Association Capital Recovery (ACR). ACR’s mission was to “restore fiscal stability and resolve delinquencies for both condominium and homeowner associations…by delivering exceptional customer service, homeowner call center and billing services, expert knowledge and low-cost debt recovery to the community association industry.” After changing their name to ARI, “they began offering a broader suite of recovery services and client retention solutions.”
Axiom Resources provides business solutions in 3 areas: condominium owner association(COA) and homeowner association (HOA) collections; municipal government collections; and their “Direct Link” service. The COA and HOA division “facilitates the recovery of delinquent fees, and arms clients…with the knowledge necessary to make fiscally responsible decisions for the continued health of their associations.” ARI’s municipalities division “valuates…lien receivables and uses a… patented process to provide the municipality with upfront capital in exchange for the right to collect on their behalf.” Finally, ARI’s DirectLink program “combines best-in-class research and locating technology… with respectful person-to-person communication,… written communication, and sometimes legal work… to recover… accounts…by respectfully communicating with the homeowner much faster and in most cases with lower fees than what many attorneys charge.”
ARI states that they comply with “all applicable federal, state, and local laws and regulations…and understand the importance of information privacy.” In addition, ARI’s “databases and account information are hosted on a HIPPA-compliant, cloud-based infrastructure.” ARI’s “recovery agents abide by strict ethical and professional standards.” However, their website is entirely client-facing, and there are no links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of April 2019, the BBB has closed 6 complaints against Axiom Resources in the past 3 years, with 3 complaints closed in the previous 12 months. Almost all of those complaints alleged problems with billing and collections. Neither the Consumer Financial Protection Bureau (CFPB) nor Justia have posted any complaint information about ARI.
Axiom Resources, Inc.
PO Box 2457
Oldsmar, FL 34677
Telephone:(855) 750-0101
Website: https://www.axiomrr.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ARI would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints
Complaints against Axiom Resources cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In April 2018, a complainant stated that ARI engaged in unethical practices while attempting to collect homeowner association fees allegedly owed by the complainant. According to the complainant, she “received a letter stating that she owed $541.39.” She contacted ARI and was “informed… that she missed an assessment in 2016.” The complaint asked why she “did not receive a notice and was informed that the HOA did not owe her a notice.” The complainant said they should have sent a notice, and that her “neighbor had received a late fee” as a result of a similar problem. The complainant reviewed her online banking information and “found that the payment was made” on September 23, 2016. She advised the ARI representative, but he stated she didn’t make the July payment. After researching her complaint further, ARI informed her that the July payment was made on June 29, 2016, and that “the problem was that she was paying her payments too early.” She said that “no one waits until the due date to make their payments,” and that she “would be happy to send copies of bank statements.” The ARI representative said “he needed to forward the information to the HOA and would contact” the complainant with additional information. When he called the next day, he told the complainant that her payments were late. Subsequently, the complainant asked her husband to call, “and he was told that the problem was that they didn’t pay the correct amount in 2015.” The complainant’s husband asked why they were not notified, and the ARI representative said the HOA “doesn’t owe them any notice.”The complainant’s husband then contacted the HOA and was told they could reduce the amount owed by 50%. But when he discussed the reduced amount with the ARI representative, he said the new amount due was $450.00. When the complaint’s husband called the HOA to let them know that $450.00 was not a 50% reduction, the HOA representative “advised him that his hands were tied.”
In June 2018, a complainant stated that she was given “no notice of being sent to collections and unreasonable…fees.” The complainant said she had already filed a complaint against her HOA, but “was turned over to collections without even being made aware that there was a portion of her HOA fees still remaining unpaid.” She “emailed Axiom Resources and left 2 messages before finally reaching someone that advised” her that in Florida, HOAs “do not legally have to tell you that you are being sent to collections;… do not have to send out coupon books; and…do not have to send out bills or let you know that you have a balance.” Allegedly, the complainant was informed that HOAs“can just send you to collections and charge $500…in fees, and it is perfectly legal.” She also said that they had threatened to put a lien on her house if she didn’t pay immediately.
In its response to both of these complaints, Axiom Resources denied any responsibility and stated that although the complainants may not be happy with laws regulating HOAs, they had done nothing wrong.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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