Wakefield & Associates 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 Wakefield & Associates?
Wakefield & Associates is a third-party collection agency based in Colorado. Wakefield has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as making false or misleading statements and failing to provide verification of debts. If you have been contacted by this debt collector about past due financial obligations, make sure you understand your rights before attempting to resolve disputes.
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Is Wakefield & Associates a scam?
They’re legit. On its website, Wakefield & Associates claims to have been founded in Colorado in 1946. According to the Better Business Bureau (BBB), Wakefield was founded in 1986, is currently based in Aurora, and services the Denver and Aurora metropolitan regions. Buzzfile estimates Wakefield’s annual revenue at $5.9 million and the size of its headquarters staff at 55 people.
Again according to its website, Wakefield states that it takes “a fair and professional approach to interacting with our clients’ customers, resulting in two things: results and a complaint rate among the lowest in the industry.” With call centers in Denver, and Fort Morgan, CO; Jefferson City, MO; and Knoxville, TN, Wakefield advertises nationwide calling capabilities tailored to local time zones.
Who does Wakefield & Associates collect for?
Wakefield & Associates offers first party, early-out, and third-party collections for healthcare providers; property managers; educational institutes; finance companies and banks; as well as commercial accounts.
Wakefield & Associates is a member of several professional associations including ACA International, HFMA, AAHAM, NRHA, MGMA, and USCOC. In addition, as a leader in the professional collection of property management debt, Wakefield is also a member of the Apartment Association of Metro Denver. Their Consumer Links page provides outside references to the three major credit reporting agencies; the Colorado Collection Agency Board; the Federal Trade Commission (FTC); the Health and Human Services Department HIPAA information page; and trade resources including ACA International, the Chamber of Commerce, E-banking.org, and the Healthcare Financial Management Association.
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 Wakefield & Associates?
As of September 2017, the BBB has closed 149 complaints against Wakefield and Associates in the past three years, with 75 closed in the past twelve months. The largest percentage of complaints alleged problems with billing and collections. Most of the remaining complaints are fairly evenly split between advertising and sales issues and customer service issues. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has logged 129 complaints against Wakefield, and Justia lists at least 6 cases of civil litigation naming Wakefield & Associates as a defendant.
Wakefield & Associates 10800 E Bethany Dr.,Suite 450 Aurora, CO 80014-2697 Telephone 800-864-3870 Website: https://www.wakeassoc.com/
Can Wakefield & 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 Wakefield 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 2018, a proposed class action out of Arkansas federal court was filed against Wakefield & Associates for allegedly violating the Fair Debt Collection Practices Act (FDCPA). The lawsuit alleges that the defendant violated the FDCPA by unlawfully applying interest charges that were not authorized by plaintiff’s original creditor, failing to indicate the rate at which interest accrued, and falsely representing the debt amount.
In November 2012, in United States District Court for the District of Colorado, a plaintiff filed a complaint against Wakefield & Associates for alleged violations of the FDCPA in their efforts to collect form her a past due medical bill. Initially, the plaintiff refused to pay the medical bill for medical services for her son. The bill was assigned to Wakefield for collection. A Wakefield representative indicated Wakefield’s “Cyclone” computer software, in conjunction with the third-party vendor software, “DANTOM,” sent a letter verifying the debt to the plaintiff at an address on file. The plaintiff was no longer living at that address, and never received the letter; furthermore, because Wakefield relied on a computer-generated letter delivery system, they were unavailable to provide the court with a copy of the letter. Regardless, the plaintiff testified that she never received the letter, and when Wakefield was notified that the plaintiff had a new address, they initiated a legal proceeding against her for a judgement of $1496.00 plus $243.51 in interest charges.
The plaintiff received the summons accompanied by a cover letter informing her to contact Wakefield regarding settlement terms and to avoid litigation costs. The plaintiff contacted Wakefield and negotiated a settlement with the agent that would allow her to make a down payment of $300 and monthly payments of $100 thereafter, reduced from the original offer of $500 down and $250 monthly. An additional $153.85 in court costs was added to the bill. In addition, the agreement required the plaintiff to waive all legal claims and to pay all attorney fees to settle further disputes. The plaintiff signed the agreement, but the agent never discussed the legal implication of waiving her rights under the FDCPA, and the plaintiff did not understand the legal implications of such an act. The plaintiff sent the check for the down payment and assumed the court date had been dismissed; however, she was still required to attend the hearing. In addition, when her initial payment was retuned for insufficient funds, Wakefield initiated immediate legal proceedings.
Briefly, during the subsequent hearing, Wakefield was found potentially to have violated several provisions of the FDCPA for having failed to provide verification of the debt and for engaging in “conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt”; and for using “false, deceptive, or misleading representation or means in connection with the collection of any debt.” Although some of the charges against Wakefield & Associates were dismissed with a summary judgement, a judgment for the plaintiff was granted in most instances and the matter was set for trial.
Wakefield & 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).
Can I sue Wakefield 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 Wakefield & Associates Debt Collection Harassment Now?
“We realize that ours is only one little case among many — and a lot more serious — but are heartened by the fact that you accepted it represented us with a professionalism that belied the dollar amount.”
“I am so blessed that through this dreadful, terrifying encounter, your company was there to help me. I can not thank you enough”
“Never did I feel anything less than your most important customer. I love your service, and wish that more people were aware that there was a remedy for these vile creatures that call themselves collectors. Do not get me wrong, I pay my debts, or at least attempt to, but those agencies are aware of what they’re doing is illegal and know that the person on the other end of the line probably does not know that.”
Can You Help Me Delete Wakefield & Associates from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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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.