Aargon Agency Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Aargon Agency Inc?
Aargon Agency, Inc. (Aargon) is a third-party debt collection agency based in Nevada. Aargon has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as using false or misleading information in an effort to collect a debt and sharing information about debts with unauthorized third parties. Through the Years, this collection agency has expanded into a group of companies that include Total Credit Recovery, TheMedicalBill.com, Aargon Funding, Excelon Executive, and APM Tenant Management. If Aargon has contacted you about delinquent financial obligations, make sure you understand your rights before you take action.
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Is Aargon Agency a scam?
They’re legit. According to the Better Business Bureau (BBB), Aargon Agency, Inc. was founded in February and incorporated in March 1996. The BBB established a profile page for Aargon in November 1996, and Aargon has been a BBB-accredited business since 2011. The BBB lists Aargon as a collection agency that uses the alternate business name, Aargon Collection Agency, Inc. Buzzfile estimates Aargon Agency’s annual revenue at $9.6 million and the size of its headquarters staff at 100 employees, with an estimated 125 total employees across all locations.
According to its website, Aargon “offers comprehensive debt collection agency services nationwide.” Aargon states that its “strengths are based on innovative, resourceful, and compliant debt collection practices that are continuously developed using the latest technology.” Aargon’s mission is to maximize the recovery of debt using “high-capacity, networked call centers in all US time zones and… the most highly trained debt collectors.”
Who does Aargon Agency collect for?
Aargon collects delinquent debts for healthcare and medical service providers; utility service providers, including gas, water, and power; and telecommunications service providers, including telephone, television, internet, cable, and satellite services. In addition, Aargon offers three early-out divisions, including a medical pre-collection division, a first-party pre-collection division, and an extended business office services division.
Aargon’s third-party nationwide debt collection services utilize advanced call center technology and training with state-of-the-art call centers in Hawaii, Nevada, Colorado, Missouri, and Florida. Aargon also uses proprietary collection technology for obtaining “requested information such as proof of payments and copies of letters that have been sent.” Aargon also employs a staff of “debt collection attorneys who are highly trained and experienced in litigating cases involving the myriad laws, rules, and regulations that govern the collection industry.”
Aargon states that it maintains “strict compliance with all applicable state and federal laws, including but not limited to”: the Dodd-Frank Act, the Graham Leach Bliley Act (GLBA), the Fair Debt Collections Practices Act (FDCPA), the Service members Civil Relief Act (SCRA), the Fair Credit Transaction Act (FACTA), and the Telephone Consumers Protection Act (TCPA). Their website includes a contact form for inquiries addressed to the Compliance Officer, but there are no links or references to consumer protection resources 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.
How many complaints are there against Aargon?
As of November 2019, the BBB has closed 23 complaints against Aargon in the preceding 3 years, with 4 complaints closed in the previous 12 months. All of those complaints cited problems with billing and collections. As of August 2013, the Consumer Financial Protection Bureau (CFPB) has closed 654 complaints involving Aargon. Justia lists at least 8 cases of civil litigation involving Aargon.
Aargon Agency, Inc. 8668 W. Spring Mountain Road Las Vegas, NV 89117 Phone Number: 800-326-7118 Website: https://www.aargon.com/
Can Aargon Agency Inc Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Aargon 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!
In 2018, Aargon Collection Agency faced a proposed class action filed by a Texas consumer who claimed the company falsely threatened in a collection letter that his balance would increase.
Despite knowing full well that the plaintiff’s balance would not vary at any time, Aargon stated in a letter to the plaintiff that the “amount due on the day you pay may be greater” as a “deceptive collection tactic” aimed to get the man to make payment immediately, the lawsuit alleges. Such conduct serves the dual purpose of not only threatening the consumer into making quick payment, but also discouraging him from exercising of his Fair Debt Collection Practices Act (FDCPA) right to request validation of or dispute the debt within 30 days, the case argues.
Complaints against Aargon cite problems resulting from disputes about the validity of debts and the accuracy of information reported to credit reporting agencies. In June 2018, a complainant stated that an “unknown collection agency placed a collection on his report.” According to the complainant, he disputed the debt, but Aargon “did not provide actual verification.” He said he could not cite the account number for the delinquent bill “because he had…never heard from Aargon or the original creditor before.” Allegedly, his credit report indicates an account opening date of November 2017, with an outstanding balance of over $300.00. However, he stated that he had never received any calls, bills, or letters regarding the debt, either before or after it was sent to collections. Despite the FDCPA’s requirement that all debt collectors provide verification of bills they are trying to collect, the complainant stated that “the credit bureaus will not remove” this debt because the associated “address …doesn’t belong to him.” In addition, because the erroneous address is “attached to the bill,” he is concerned that “someone else could receive his personal information.” He also stated that “this was not the first time Aargon had placed a debt on his report that wasn’t his, and it’s not the first time he has had to have them remove” the item form his credit report. He requested that Aargon provide him with verification of the debt they are trying to collect, and in the meantime to remove the delinquent item from his credit report. In response, Aargon stated that they had sent verification of the debt to the complainant previously and indicated that they would forward an identity theft packet to him in the event the debt was the result of fraud.
In October 2017, a complainant stated that he had an account with an original creditor that was paid, but it was “showing as outstanding on his credit report,” along with “other paid accounts that show balances,” all of which had been assigned to Aargon. He said he had requested “validation of the debts… that should be closed” and had contacted Aargon “several times about the matter.” Although he was “told the accounts were deleted, … they are still showing as outstanding on his credit reports.” When he called Aargon and spoke with a representative, he “was told a supervisor would contact him, but this has been going on for more than 30 days” without a resolution. He said he needed his credit reports to reflect information accurately and wants to “have the paid accounts showing a zero balance deleted along with the closed accounts that he is no longer liable for.” In response, Aargon stated that they had investigated the accounts in the complaint and updated the complainant’s credit reports. However, they claimed that they had not violated any state or federal laws.
Aargon Agency Calling You?
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).
Consumers have reported this agency harassing them from the following numbers:
Can I sue Aargon for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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.
“Thank you and your staff for the exceptional work you did on my behalf in dealing with a debt collector. I’ve not experienced the level of professionalism, care, timeliness in follow-through, and financial compensation obtained through your firm.”
“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I did not realize I’d be getting any money from this wretched affair. I’m taken aback by what you have achieved in my behalf.”
Can You Help Me Delete Aargon Agency Inc from My Credit Report?
The brief answer is yes. We can help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.