Diaz and Associates Inc or DAI 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 Diaz and Associates Inc – DAI?
Diaz and Associates, Inc. (DAI) is a debt purchaser and third-party collection agency based in California. DAI has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and threatening to take actions that cannot legally be taken. If DAI has contacted you about past due financial obligations,make sure you understand your rights before you respond.
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 Diaz and Associates a scam?
They’re legit. According to the Better Business Bureau (BBB), Diaz and Associates, Inc. was founded and incorporated in 2006. DAI has been a BBB-accredited business since 2014. The BBB lists DAI as a collection agency and collection system. Buzzfile estimates DAI’s annual revenue at $760,000 and the size of its headquarters staff at 8 employees.
According to its website, DAI “purchases portfolios of charged-off consumer receivables…and employs a team of highly trained and professional debt collectors.” The DAI website consists of a home page and a contact page with a web-based contact form.
The home page does not provide any detailed information about DAI’s business practices or the types of businesses or industries for whom they collect debts. DAI states that they “provide… outstanding collection services…with a high standard of customer service as their … number one priority.”
As for compliance, Diaz and Associates states that they “adhere to a higher code of ethics, … implement the required company standards, and are constantly doing training with different associations to stay up to date with laws and regulations.” They cite membership with several professional associations, including the International Association of Credit and Collection Professionals (ACA International); the California Association of Collectors (CAC); and the International Debt Buyers Association (DBA International). They include a link to the consumers page of the Debt Buyers Association website, but there are no links or references to consumer protection 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.
How many Complaints are there against Diaz and Associates?
As of May 2019, the BBB has given Diaz and Associates Inc a rating of B, citing the high number of complaints as the reason for the rating. The BBB has closed a total of 25 complaints against DAI in the previous 3 years, with 15 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 2 complaints also cited problems with customer service or sales.As of October 2015, the Consumer Financial Protection Bureau (CFPB)has closed 18 complaints against DAI. Justia lists at least 2 cases of civil litigation involving DAI.
Can Diaz and Associates 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 DAI 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Diaz and Associates?
Absolutely. Here are some Sample Complaints
Complaints against Diaz and Associates cite problems resulting from disputes about the validity of debts and allegations of harassment. In September 2018, a complainant stated he had been harassed over medical bills for surgery. According to the complainant, he had been “overwhelmed with medical issues due to surgery which caused lack of income. He had to let a couple of credit cards default.” He said he had “not received ONE letter from DAI, but had received many harassing and threatening phone calls, including a phone to call to his office in which … DAI representatives spoke to another employee about” him. As a result, the “office gossip” told everyone, and the complainant “almost lost his job” The complainant stated that it “is completely unacceptable to harass anyone at work, or to speak to anyone else in his office about him or his business.”Allegedly, DAI “even pulled an inquiry on his credit report, causing a drop in his score” that was larger than usual because it was “listed… not as a collections account, but as a new account, like it is fraudulent.” The complainant said he would “dispute this ‘new account’ and ‘authorized inquiry’ and will contact the Federal Trade Commission if this is not resolved and if the threatening, harassing phone calls do not stop.”
In August 2018, another complainant alleged that she was harassed for medical bills stemming from cancer treatment. According to the complainant, the collection item was not her responsibility. She stated she had “filed insurance on that account when she became sick with breast cancer in 2014.” Subsequently, her “district manager informed her that the office manager… had… not taken the proper steps …when filing her paperwork,” but that they “would have it under control…and apologized to her for any inconvenience.” Regardless, she was “harassed and threatened due to the matter.” Her insurance was responsible for paying the bill, and she had taken“the proper steps to have her papers filled out by her doctor and turned in. What happened afterward… was not her responsibility.” She also stated that the manager who had made the paperwork error had been dismissed.
Diaz and Associates uses a formulaic response to complaints that begins, “We are well versed in the FDCPA and other state and local collection regulations. We absolutely obey and adhere to all collection laws governed by the Fair Debt Collections Practices Act, Federal Trade Commission, and the Attorney General.” In response to both of the complaints above, DAI went on to say that they had “since closed the accounts as well as placed the accounts with the original clients, requesting no further collection activity.” DAI also stated that they had “sent out a… form to update their trade line if they had reported.” DAI thanked the complainants for “bringing the matter to their attention and…apologized for any inconvenience they may have caused.”
Diaz and Associates 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).
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.
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 friends, neighbors, or coworkers
Collectors are threatening you with violence, a 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
“Every e-mail sent or phone call made to your firm was answered not only promptly, but virtually immediately. Mr. Hirnyk patiently explained every legal concept – including what was possible and what was not – under existing state and federal consumer law.”
“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.”
“Know that Sergei, and your firm did a good thing. You took on a big company for little people and righted a wrong. For this we are grateful.”
“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.
Can You Help Me Delete Diaz and Associates 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.
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.