Account Management Resources (AMR) is a debt collection agency which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
Account Management Resources (AMR) is a debt collections agency based in Oklahoma City, Oklahoma. It appears as though there are a variety of different complaints against Account Management Resources (AMR) alleging violations of the Fair Debt Collection Practices Act (FDCPA) including falsifying credit reports and harassing debtors. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. Account Management Resources (AMR) has been in the collections business for 54 years. Ignoring the need to resolve your alleged debt with Account Management Resources (AMR) would be unwise, do not simply write off Account Management Resources (AMR) as a scam. In respect to the company’s timeline, Account Management Resources (AMR) was started locally on January 1st, 1967 and was incorporated on August 19th, 2004. The collections business has also been accredited by the Better Business Bureau since September 1st, 1994 and it has received an A+” rating from the BBB. According to the Account Management Resources website, the company was originally founded under the name “Credit Collections Inc.”, and today the new Account Management Resources (AMR) works to, “bring a new level of professionalism and a scientific, process-oriented approach to traditional debt recovery & debt collection practices”. Some complainants feel as though this vision has not been achieved by Account Management Resources (AMR).
In regard to the collection company’s qualifications, according to Account Management Resource’s LinkedIn page, the company has an employee base of 11-50 employees and specializes in, “debt collection, account recovery, customer service, negotiation, lean six sigma process engineering, and conflict resolution”. Additionally, Account Management Resources (AMR), has “processed over 3.2 million accounts for nearly 1.4 billion dollars”, according to the company’s website. The leadership of their collections business is headed by President/CEO Richard Cook and CFO Helen S. Rambo.
Account Management Resources (AMR) specializes in collections for mainly commercial and government entities. The industries that Account Management Resources (AMR) works within include: medical, municipal, educational, and government entities. As a result of this diversification, AMR may show up on your statement or contact you about alleged debt for a variety of different reasons. Because there is such a wide range in the types of clients that Account Management Resources (AMR) collects for, it is important to clarify what type of debt you owe and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit. In respect to the services provided by this collection company, Account Management Resources (AMR) utilizes the “Lean Six Sigma process” to create efficiency within their collections business . In addition to the use of this process, Account Management Resources (AMR) also highlights their core principles on the company’s website, which include, “experience, results, culture, and process”.
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.
Account Management Resources has received a number of complaints across the internet, including the well established, BBB.org. While the company’s BBB page appears to be very impressive, boasting an accreditation and an “A+” rating, there are still a number of complaints posted on the webpage for Account Management Resources (AMR). Account Management Resources (AMR) has received 4 complaints closed in last 3 years and 1 complaint closed in last 12 months on the BBB website. Account Management Resources (AMR) has attempted to reconcile with these consumers by responding to these complaints, however the increasing volume of complaints and the similarity in problems between consumers sheds a bad light on Account Management Resources (AMR) as an ethical collections business. On top of the BBB.org complaints, Account Management Resources (AMR) has also received 28 reviews on Google Reviews, amounting to a 1.8 star review. More seriously, Account Management Resources (AMR) could have also been a part of a variety of lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.
It would be illegal for Account Management Resources (AMR) to make empty threats to sue you or garnish your wages. However, the law does not protect you from being sued if the debt is valid or verified. It is necessary to be aware that it is not uncommon for debt collection agencies to summon debtors to court and garnish wages after a default judgement. If Account Management Resources (AMR) cannot verify your debt or you may not owe said debt, they will likely choose not to sue. Remember, however, that if they are able to do so it is the wisest option to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a sample complaint:
A complainant filed a dispute with Account Management Resources (AMR) over an account which was added to the complainant’s credit file and has been negatively impacting their credit report. After contacting the collections company with the complaint, the complainant soon received documentation of a letter stating, “the account was verified as accurate with OU Physicians”. In addition to this letter the complainant also received a copy of their insurance card as well as other documents pertaining to his/her medical records, which were used to verified the accuracy of the account and the need to pay the debt at hand. After contacting the collections company, the account was deleted off of the complainant’s credit report, but it still shows up on the complainant’s Equifax and Experian credit reports. On top of this issue of valid credit reporting, Account Management Resources (AMR) never verified that they were the original creditor or asked the complainant to sign an agreement to pay the debt in debate. In fact, the complainant claims that they only signed for the prescription history information, not the agreement to pay. This complainant would like clarification on how this medical information was obtained, and more specifically how it was obtained without written authorization from the complainant. If there is a lack of proof that the complainant authorized the sharing of these records then the collections company has violated HIPAA. The complainant is demanding that this account be removed from his/her credit reports or they may choose to pursue legal action.
If you find yourself allegedly indebted to Account Management Resources (AMR) it is important that you learn to protect yourself by understanding your rights when it comes to collections companies. The Fair Debt Collection Practices Act protects citizen like you from the abuses and misconduct of collection agencies. You can find these rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes, you can sue. If you would like to be able to recover your damages and protect yourself as an individual, you ideally should. The correct action to take when your FDCPA rights are breached is to sue. Federal laws protect citizens like you from these fraudulent practices. You should choose to award yourself the ability to defend your rights and receive compensation by suing if you feel as though these rights have been violated. Individuals like you can 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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According to their invoice they help with financial assistance. So far that’s a lie. Aug 2022. I mailed them the application (tracking number to prove they received it.) They continued to send multiple texts and emails and letters. I called several times. Kept saying they got it and it was being reviewed. In March I got a call that said they lost my application. All I need was to send them proof of income. Which I did. Then they said they needed tax form, then they said ALL they needed a signed application page not even filled out just sign it, and they would mail me one. 3 weeks, Never got one. I sent multiple emails, I emailed the tax form, proof of income and the signed application page which I downloaded off their website. Nope that wasn’t good enough. SO I again requested they mail me the page they need signed. Guess I will see if that happens. Now they want my medical expenses. Not based on the year I was requesting help for, but now. Some bills this year haven’t even been received yet do to insurance takes a while. I am stressed out. This is a horrible company. And I feel they are just giving me a run around. We are seniors living on Social Security. I feel they are doing this on purpose. I ended up in tears today.