Saturn Systems, Inc. (SSI) is a third-party collection agency based in Colorado. SSI has received complaints alleging violations of laws regulating debt collection agencies, including allegations of misrepresentation and fraud. If SSI has contacted you about past due financial obligations, make sure you understand your rights before you respond.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB),Saturn Systems, Inc.was founded and incorporated in 1997. The BBB established a profile page for SSI in 2004. The BBB lists SSI as a collection agency. Buzzfile estimates SSI’s annual revenue at $287,000, and the size of its headquarters staff at 4 employees.
According to its website, SSI provides the “highest quality collection service available.” SSI’s service was “designed by a seasoned collection professional who has been in the collection industry” for many years. SSI sates that its mission is “to stay on top of the ever-changing world of technology and collection law to provide cutting edge services and products to their family of customers.”
Saturn Systems provides collection services to a variety of businesses and industries, including consumer debt; healthcare and medical service provider debt; government debt; and retail lender accounts. SSI also accepts commercial business-to-business accounts.
SSI “provides an efficient, cost-effective service for businesses that require assistance with their slow paying and bad debt accounts.” SSI uses three distinct approaches to collect delinquent debts—flat fee services; “hardcore collections phase I”; and legal services. SSI’s flat fee collection services “incorporate the power of the computer with the most effective letter campaign available in the marketplace today.” SSI’s “hardcore collections” use “more traditional methods.” During the legal phase, SSI “turns the account over to a qualified attorney for court related actions.”
The SSI website is client-facing and does not provide any information about its regulatory compliance policies. 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 1 complaint against Saturn Systems Inc in the previous 3 years. The complaint alleged problems with sales and service. The Consumer Financial Protection Bureau (CFPB) has not posted any complaint data involving SSI. Justia lists at least 2 cases of civil litigation involving SSI.
Saturn Systems, Inc.
P. O. Box 482
Bailey, CO 80421
Telephone: 888-783-8749
Website: http://www.saturn-systems.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SSI 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
In February 2017, an employee of a business filed a complaint alleging the owner of Saturn Systems had “solicited him via phone to see if he wanted to purchase new accounts.” The complainant said he wasn’t interested and alleged that the owner of SSI “then contacted his supervisor and gave him the impression that he had wanted the accounts, so the complainant’s boss agreed.” The complainant stated that he was “then emailed a contract… to which he replied on the following Monday, …stating that he did not want the accounts.” The complainant said that he had again let SSI know he still did not want the accounts, but SSI allegedly sent an email in which the owner of SSI said that the complainant should have “told him he didn’t want the accounts sooner.” The complainant responded by sending a “copy of the email he had sent” previously, but the owner of SSI allegedly responded that “he did not receive the initial response because he did not have access to the email account he sent the contract from.”The complainant stated he had not “utilized these accounts and did not wish to continue doing business with” SSI. He stated that the “fact that the owner of SSI has an email account that he does not have access to was not made known to” him.He also stated that it is SSI’s “responsibility to notify” him that he needs “to send correspondence to an alternative email address from the one the contract was sent from.”
In response, Saturn Systems stated that “this complaint is totally incorrect.” SSI stated that they “had not contacted the complainant …regarding reordering” at the time indicated in the complaint. SSI said it had been “several months prior to that, and that SSI had never given the owner…the impression that …they… had approved a reorder.” SSI said they had “contacted the owner, …which was already a client, to see if he wanted to take advantage of special pricing… He allegedly agreed, so SSI invoiced him for the agreed price. SSI’s system automatically sends a copy of the contract to the client coming from their server,” and now, “3 days later, their office manager…. replied to the email which went nowhere requesting cancellation of the contract to which the owner had agreed.” SSI said that its “serverdoes not accept incoming emails,” and that SSI does “not offer refunds or cancellations, so this invoice must be paid.”
The complainant rejected the attempted resolution, stating that the accounts were sold under false pretenses, and that they had made it clear they were not interested in acquiring any more accounts from SSI. Saturn Systems and the complainant continued to argue, with the complainant ultimately requesting that the complaint be resolved through arbitration.
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…
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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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