Divine & Service is debt collector specializing in providing service for “global financial solutions”. This collection company may 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.
Divine & Service is a debt collector located in Austin, TX It appears as though there are a variety of different complaints against this collections company alleging violations of the Fair Debt Collection Practices Act (FDCPA). If a debt collector has contacted you, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. Due to Divine & Service’s 24 years in business and the company’s average “B-” rating from the Better Business Bureau, the collections company should be considered a verified business. Because of the company’s years of experience and their professional rating, consumers should be cautious in ignoring this collection company’s allegations of debt. Be wise and choose to contact the collections company with any questions you may have, as refusing to pay off your alleged debt will harm your financial stability and credit.
This collections company claims that they utilize, “Compelling and customized solutions” which “lead to better a customer experience, crafted through deep, intimate understanding of our partners’ customers.” Though this collection company may make this promise to consumers on their collections website, and appears to be a professional and reputable business, Divine & Service may still have violated the FDCPA. Become aware of your FDCPA rights and fight back against unethical collections practices.
Lastly, in regard to leadership, Divine & Service cites Mr. Keith Peterson, President/Owner and Mr. Lonnie Larson, CEO/Owner as the business management contacts. Additionally, according to dnb.com, this collections company also “provides an online platform offering clients remote access to credit reporting and account management.”
Divine & Service does not provide any information on their collections website regarding their clientele or areas of expertise. However, on the dnb.com, the company notes that they provide a variety of services including: “credit investigation and reporting services, legal counsel and referral, risk consultation, and direct collections”, as well as, “customized letter dunning and contact services for pre-collection and collection demand notices.” Due to the lack of specific information regarding Divine & Service’s clients, it is very important that as a consumer you verify your account with this collector. This step in the collections process is crucial because due to the outsourcing of debt, one collection account can turn into many reporting on your credit file if the debt is not properly dealt with.
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. Lemberg Law received an A+ rating from 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.
Divine & Service has received a few complaints over its time in business. On the Better Business Bureau the company has received 1 complaint in the last 3 years but it has not received any reviews. This collections company has also received 2 Google Reviews which in total awards them only 1 star. If you believe that this collections company may have violated the FDCPA do not hesitate to contact an attorney and file a complaint or take action by reviewing the company on the BBB or Google Reviews.
It is also possible that this collections company could have been a part of a variety of lawsuits, sanctions, and penalties according to Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket. Take a look at the link above to find out whether Divine & Service falls within this category.
Debt collectors may try to induce payment by threatening to sue you or garnish your wages. Using empty threats of legal action to intimidate consumers into payment is prohibited under the FDCPA. Likewise, collection agencies are highly unlikely to sue for debts which you cannot be verified to owe. However, it should be noted that debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Above all, we strongly advise you to contact an attorney BEFORE such a judgement would be possible. Here at Lemberg Law, we have advocated for tens of thousands of victims of debt collector harassment. Contact us to see if you may have a case.
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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 claims that D&S has been charging them for oxygen/nitrous tanks that they claim to have already returned. The complainant notes that they sent the receipt showing that this payment had already been made. After sending this information, the complainant attempted to explain to D&S that this alleged debt is in error. The complainant additionally clams to have sent a certified letter, as well as numerous emails to this collections company “only to be ignored and harassed by this company for tanks that were returned.”
If you have fallen victim to excessive, threatening, misleading or otherwise untimely calls from a third party debt collector, you are entitled to compensation under The Fair Debt Collections Practices Act (FDCPA). More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies.
Yes. You can absolutely sue. Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages.
You may have a case, if…
“Amazing work! After being harassed for over a month with automated voicemails, I got in touch with Lemberg Law. All I had to do was provide a little information, the numbers, and the voicemail recordings, and they sent me a no-risk, representation agreement. A few weeks later, they called me with a settlement agreement from the company who now agreed to pay me, pay Lemberg’s legal fees, and stop harassing me.”
“Fighter, that’s what these wonderful people are. I got great service and great lawyers and para-legals in my corner. Above and beyond for the forgotten people. Thanks for everything.
“Lemberg Law firm, did a great job representing me against a big and powerful company, they got me a fair but very good deal for me and the company, felling grateful with them.”
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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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