Atlas Financial Services AFS Collections Complaints? We Stop Calls

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Atlas Financial Services AFS
Atlas Financial Services or AFS 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 Atlas Financial Services?

Atlas Financial Services, Inc. (AFS) is a third-party collection agency based in Washington that specializes in collecting delinquent medical bills. AFS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and attempting to collect debts not owed. If AFS has contacted you about past due collection items, make sure you know your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Atlas Financial Services a scam?

They’re legit. According to the Better Business Bureau (BBB), Atlas Financial Services , Inc. was founded and incorporated in 1997.The BBB established a profile page for AFS in 2000. The BBB lists AFS as a collection agency that uses the alternate business name, We Collect, Inc. Buzzfile estimates Atlas Financial Services’ annual revenue at $196,705 and the size of its headquarters staff at 2 employees.

According to its website, AFS’s “mission is to provide the highest level of customer service, professionalism, and recovery for …receivables accounts.” AFS operates…in partnership with…clients and works towards reaching a common goal of optimizing… accounts receivable recovery through extraordinary service and responsible management of delinquent account collections.”

Who does Atlas Financial Services collect for?

Atlas Financial Services provides consumer collection services for a variety of industries, but their main focus is on healthcare and medical service providers, as well as collection services for physical therapy providers; athletic clubs; chiropractic offices; and hearing aid dispensers. AFS also provides consumer collection services for legal services providers and automotive lenders. In addition, AFS provides commercial business-to-business collections.

AFS is a full-service collection agency that focuses on “re-establishing a sense of urgency with debtors as the first step towards …taking the guess work out of collecting money that is owed.” AFS also employs a legal team who will file suit after they have “exhausted all efforts to collect with no result in payment.” AFS offers EFT (electronic funds transfer) so clients can receive immediate reimbursement form collection accounts.

AFS states that it conducts all collection activities in compliance with the FDCPA and other federal, state, and local laws.AFS cites affiliation with several professional associations, including the International Association of Credit and Collection Professionals (ACA International); the Washington Collectors Association (WCA); and the Greater Vancouver Chamber of Commerce. However, their website does not include any 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 Atlas Financial Services?

As of October 2019, the BBB has closed 5 complaints against Atlas Financial Services in the preceding 3 years, with 2 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections. As of November 2013, the Consumer Financial Protection Bureau (CFPB) has closed 36 complaints involving AFS. Justia does not list any cases of civil litigation involving AFS.

Contact Information

Atlas Financial Services, Inc.
PO Box 1180
Vancouver, WA 98666
Telephone:(800) 758-6109


Can Atlas Financial Services 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 AFS 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!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Atlas Financial Services?

Absolutely.  You can sue a debt collector. Here is a Sample Case Complaint:

Complaints against Atlas Financial Services cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In July 2019, a complainant stated that she had made several visits to a local medical clinic for treatment. She said she had “paid the invoices in installments and believed she had paid in full.” Regardless, she received a notice from AFS advising her that her account had been assigned to them for collection of over $250.00.She disputed the debt within the 30-day timeframe mandated by the FDCPA, stating that according to her accounting, she had paid the clinic in full. She requested documentation verifying the debt. Subsequently, she “received a letter from AFS indicating that she had to sign a form waiving her HIPAA privacy rights to give AFS access to her medical records.” The complainant “refused to do so and could not see any reason why she would have to provide access to her private medical records in order for them to provide evidence she owed the debt.” Allegedly, the complainant did not hear back from AFS for 4 months, and then she was served…with a lawsuit attempting to collect the $250.00 debt plus $100.00 in fees. She said she was willing to “pay the full amount to make this all go away; however, AFS did not provide…any documentation validating the debt and therefore violated the” FDCPA.

In March 2019, a complainant stated that he had been “notified by a credit monitoring service…that Atlas Financial Services had placed a derogatory collection on his credit bureau report.” According to the complainant, he contacted AFS, and the representative told him what the debt was for, but the complainant explained that the  account in question had been “closed in 2010 and was included in a Chapter 7 bankruptcy, which was discharged in 2013.” He also explained that this was “not the first time AFS had notified” him. He was told previously that the delinquency “was transferred to them in error” and “would be removed from their system.” Allegedly, the AFS representative repeated the same explanation, stating  “that that there was an error, and that she would correct his credit report and update his account.” The complainant stated that he “was never notified of this debt in writing…and never received a phone call regarding this debt prior to Atlas Financial Services reporting it to his credit report.” He also said that the “only correspondence he had received was when he had notified them back in 2013 that this debt was included in his bankruptcy and was told it would be removed, which clearly it was not.” The complainant stated that his “credit score has gone down dramatically because of this erroneous reporting.”

Atlas Financial Services 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).

Can I sue Atlas Financial Group 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.

Want to Stop Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“I used to get up to 15 calls a week from several collection agencies. It got so bad I felt like I should just get a new phone number to make it quit. Happily, I discovered Lemberg Law. They immediately put an end to the calls. Now, when my phone rings I do not dread it.”

“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.

“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”

Can You Help Me Delete Atlas Financial Services from My Credit Report?

We can absolutely help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

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."

See more posts from Sergei Lemberg

Leave a Reply or Comment

Write a comment below to share online. Or, instead you can to our legal team.

Please select your star rating.

Briefly describe your experience Briefly describe your experience

What’s your name? What’s your name?

What’s your phone number? Please enter a valid phone number

Want to know if you could sue? Get a free legal evaluation from Lemberg Law?

Get Your No-Obligation
Case Evaluation

Send a secure message to our legal team.

What’s your name? What’s your name?
What’s your email address? What’s your email address?
What’s your phone number? What’s your phone number?
Briefly describe the problem Briefly describe the problem
Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information.
By submitting above, I agree to the privacy policy and terms and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s).