Kenneth, Eisen and Associates, Ltd. (KEA) is a third-party collection agency based in Arizona. KEA has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as using false or misleading language in an effort to collect a debt and attempting to collect debts not owed. If KEA has contacted you about delinquent collection items, make sure you know your rights before taking action.
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They’re legit. According to its website, Kenneth, Eisen and Associates is “an innovative and trusted partner in the consumer and commercial collection markets, maximizing revenue for… clients at various stages of the collection cycle by reducing losses attributed to bad debt.” In addition, KEA has “established programs and procedures designed to increase collection recovery for…clients while maintaining levels of consumer satisfaction that exceed…industry averages.”
KEA collects delinquent debts for a variety of businesses and industries, including medical and healthcare service providers; telecommunications companies; property management firms; banks, credit unions, and financial services firms; consumer retail lenders; and other retail service providers. KEA also collects commercial business-to-business accounts.
Kenneth, Eisen and Associates states that its “collectors follow a ‘counseling approach’ methodology for the entirety of the collection process by making friends instead of adversaries, and overcoming obstacles, rather than creating them.” Collection services include pre-collection; third-party contingency collections; and specialized collector training, coaching, and monitoring. KEA utilizes SmartDial predictive dialing; interactive voice response automated messaging; workflow automation and performance tracking; real-time payment processing; customized, proprietary account scoring models; and call recording.
KEA states that its collectors are trained in “professionalism, compliance, and concern for consumer circumstances.” KEA cites membership in several professional associations, including the International Association of Credit and Collection Professionals (ACA International) and the Arizona Collectors Association. Their Contact page includes a mini-Miranda identifying them as a bill collector, but there are no links or references to consumer protection resources, 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.
As of May 2019, the BBB has closed 4 complaints against Kenneth, Eisen and Associates in the preceding 3 years. All of those complaints alleged problems with billing and collections. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 10 complaints involving KEA. Justia lists at least 5 cases of civil litigation involving KEA.
Kenneth, Eisen and Associates, Ltd.
777 East Missouri Avenue, Suite 333
Phoenix, AZ 85014
Telephone: (602) 264-9844
Website: http://www.kearecovery.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely KEA 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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. Here are some sample complaints.
Complaints against Kenneth, Eisen and Associates cite problems resulting from disputes about the validity of debts, the accuracy of information reported to the credit reporting agencies, and allegations of harassment. In February 2018, a complainant stated that he had “recently obtained a copy of his credit report showing a collection account with the name of Kenneth Eisen & Associates. The report states it was for a” charge for medical services that the complainant did not recognize. He also stated he was covered by medical insurance “at the time the account was allegedly opened with the creditor,” so it is impossible for him to accept responsibility for the account. He stated that he “was never given any bill, notice, or opportunity to see why any bill was given,” and that he “was covered under his mother’s… medical insurance” at the time, as well.He concluded by stating that this delinquency “should not appear on his credit nor is he responsible for anything that they claim is owed.”
In March 2017, a complainant had received a collection notice from KEA regarding an overdue medical bill. According to the complainant, he had “been working with” the original creditor to resolve the debt and had asked for an explanation of benefits (EOB) to identify whether there was any unpaid debt. He stated that “upon receiving the EOB, he called to speak with KEA about inconsistent and incomplete bills which they said he owed.” Allegedly, the KEA representative he spoke with “began to yell at him and tell him, ‘You owe us that money and you better pay up!’” The complainant said that he “tried to ask the representative to calm down and discuss this issue,” but “he continued to yell,” saying, “‘You don’t have our money, do you? That’s our money, and you had no right to spend it. You better get our money and pay us now!’” The complainant terminated the phone call without a resolution.
In November 2015, a complainant stated that he used to have an account with a local telecommunications company, but he “cancelled them because he sold his house and moved to where they don’t offer service. He returned all his equipment… and was told to wait for his final bill to reflect the equipment being returned.” He said that he had “never received any final bill,” even though he had mail forwarding. Subsequently, he received a letter from KEA. When he “contacted them and told them that he had not received his final bill,” the KEA representative told him “it was sent over to them.” The complainant “asked him if it would go on his credit, and the KEA representative stated that since he had paid it immediately in full that it would not go on his credit.” However, “years later, the same bill was still affecting his efforts to buy a house.”
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.
You may have a case, if…
“We were so impressed with how the attorney listened to us and understood the position we were in. Thank you for stopping the calls. The check was a nice bonus, but mostly we’re glad we’re not being hounded anymore.”
“Lemberg Law contacted me within a couple of hours of me submitting my info on their site. That same day Daniel emailed me instructions on what to do the next time the collection agency called. Within a week, the calls had stopped. Today marks week 2 and we’ve not had a call in three days. I can’t say thank you enough.”
“I can’t praise your service enough. I was lost and just really wanted my credit report cleaned up. You have gone beyond my expectations. Thanks again!”
There is a good chance we can. Contact us to find out more.
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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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