Plaza Services LLC 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 Plaza Services LLC?
Plaza Services , LLC (PS) is a debt purchaser and third-party collection agency based in Georgia. PS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including using false or misleading language in an effort to collect a debt and threatening to take actions that cannot legally be taken. If you have been contacted by Plaza Services LLC, make sure you understand your rights before responding.
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Is Plaza Services a scam?
They’re legit. According to the BBB, Plaza Services, LLC was founded in 2014. The BBB established a profile page for PS in 2016. PS is listed as a collection agency. Plaza Services’ website does not contain a lot of detailed information about its business practices or client base. The home page identifies Plaza Services as a debt collector, provides contact information, and includes a login window. In addition, there are logos indicating that they are members of Receivables Management Association (RMA), a professional association for debt purchasing companies; the International Association of Credit and Collection Professionals (ACA International); and the Georgia Collectors Association.
The Plaza Services website includes six additional pages: Consumers, Payments, News, Contact, Pay Online, and Consumer Feedback. The Payments page provide a phone number and address for making payments by phone or mail; the Pay Online page links to PC’s online payment portal. The News page provides links to articles about the launch of their new website. The Contact page provides information for general inquiries; the Consumer Feedback page provides a web-based contact form that allows site visitors to register complaints or make requests such as requesting debt validation or submitting a cease and desist order. Finally, the Consumers page provides links to several consumer credit and finance information sites and contact information to submit complaints.
The Plaza Services website does not specifically identify them as a debt purchaser and does not indicate the types of companies or industries for which they collect delinquent debts.
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 Plaza Services LLC?
The BBB has closed 49 complaints against Plaza Services in the past three years, with 35 complaints closed in the past 12 months. Most of those complaints alleged problems with billing and collections. A search for Plaza Services, LLC in the Consumer Financial Protection Bureau (CFPB) consumer complaint database reveals that since September 2016, there have been 32 complaints involving PS, all of them attributed to the property management company, BTH Management. Justia lists at least 3 cases of civil litigation involving Plaza Services.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Plaza 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!
In August 2017, in United States District Court for the Eastern District of Virginia, Norfolk Division, a judge issued a Memorandum Opinion and Order in a case alleging Plaza Services had violated the FDCPA provision against the use of “deceptive, misleading , and unfair debt collection practices.” In this case, the plaintiff alleged that a collection letter she had received from PS was deceptive because the paragraph containing the validation notice did not contain all of the language required by the FDCPA, and because the opening paragraph of the letter included language that was confusing and misleading with regard to the plaintiff’s right to dispute the debt. Specifically, the validation notice in the collection letter appeared toward the bottom of the page. The notice informed the plaintiff that she had the right “within 30 days from receiving this notice…to dispute the validity of this debt or any portion thereof,” and that Plaza Services will assume it is valid unless she responded within 30 days. However, the FDCPA includes language stating that a validation notice must inform the consumer that he or she must send a “written request within the thirty-day period…to obtain the name and address of the original creditor, if different from the current creditor” or to “obtain verification of the debt or a copy of a judgment against the consumer…with a copy of such verification or judgment…to be mailed to the consumer by the debt collector.” Because the validation notice in the letter did not specify that the dispute had to be in writing, the plaintiff charged Plaza Services with an FDCPA violation. In addition, the opening paragraph of the collection letter began with the bolded heading, “Dispute Denied.” The subsequent paragraph stated:
“Plaza Services has purchased your account from the original creditor named above. After review of your dispute placed with Transunion, and investigation in conjunction with the entity from which the debt in question was purchased, your prior dispute of the above debt has been denied. If you have any evidence to support your dispute, we will reconsider….”
The plaintiff claimed that the language in this paragraph, and its placement at the top of the letter prior to the validation notice, would mislead an average consumer into believing they did not have the right to dispute the debt.
Attorneys for PS argued that oral disputes are valid and that specifying that a request should be written is not necessarily required by the FDCPA. They also argued that because they specified that the dispute that had been denied concerned Transunion, they had not done anything to mislead the average consumer. The court agreed with Plaza Services that the opening paragraph was not intentionally misleading. However, they also determined that the validation notice must contain language specifying that a consumer dispute must be in writing to ensure that consumers are not deprived of any of their protections under the law. PS’s Motion to Dismiss the charges against them was denied, and the plaintiff was allowed to proceed with her complaint.
Plaza 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 Plaza Services 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 Plaza Services Debt Collection Harassment Now?
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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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.