Stop Duvera Billing Services Debt Harassment

Creditors like Duvera Billing Services cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Duvera Billing Services violated the law, you may be entitled to money damages and Duvera Billing Services will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Duvera Billing Services?

Duvera Billing Services is an alternate name for EasyPay Financial, LLC, which is a consumer lending service that is dedicated to serving small- and medium-sized businesses and is based in Carlsbad, California.

EasyPay Financial has been accredited by the Better Business Bureau (BBB) since 2017.

Duvera Billing Services’ Address, Phone Number, and Contact Information

EasyPay Financial is located at 1910 Palomar Point Way, Suite 101, Carlsbad, CA 92008-5578. The customer service telephone number is 866-438-8372 and the main website is www.easypayfinance.com/

Duvera Billing Services Lawsuits

If you want to know just how unhappy consumers are with Duvera Billing Services, take a look at the number of complaints consumers have made online. Nowadays, most original creditors, credit card companies, etc. have arbitration clauses, which means that if you have a complaint against that company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by the banks and big businesses. While it can be difficult to get a fair chance in arbitration, the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

Duvera Billing Services Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Duvera Billing Services violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Duvera Billing Services took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Duvera Billing Services, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Duvera Billing Services continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and a potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Duvera Billing Services is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report. 

Several states also have laws to provide their citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Duvera Billing Services’ debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Duvera Billing Services violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls.  We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Duvera Billing Services is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt. 

THE GOOD NEWS IS…

If Duvera Billing Services is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

What Our Clients Say About Us

Agruss Law Firm, LLC has over 1,000 outstanding client reviews on our website, an A+ BBB rating, and over 135 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling altogether!! He even settled it so I was paid back for the problems they caused!”

Can Duvera Billing Services Sue Me?

Yes, Duvera Billing Services can sue you. Duvera Billing Services can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Duvera Billing Services, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, default will be entered and the agency may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If Duvera Billing Services has threatened to sue you, contact Agruss Law Firm as soon as possible; we’re here to help.

Can Duvera Billing Services Garnish My Wages?

Yes, if Duvera Billing Services has a judgment entered against you. If Duvera Billing Services is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

Duvera Billing Services Settlement

If you want to settle a debt with Duvera Billing Services, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Duvera Billing Services remove it from my credit report?
  5. If I pay this debt, will the third-party debt collector remove it from my credit report?
  6. If I pay this debt, will I receive written confirmation from Duvera Billing Services confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Duvera Billing Services, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provided a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law.  

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

  2. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, oftentimes Defendants pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

  3. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens with an additional layer of protection. For example, if you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, and Wisconsin, you have additional state-law rights.

  4. What type of debt is covered under state laws that protect me from original creditors? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. State laws usually do not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. That is, original creditors, such as credit card companies and banks, are not bound by the FDCPA.

  6. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans that have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

  7. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share Your Complaints Against Duvera Billing Services Below

We encourage you to post your complaints about Duvera Billing Services. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Duvera Billing Services over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

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Submitted Comments

I recently checked my credit report and see that I am being charged $1900 by Duvera Billing and I have no idea why!!! Please help me figure out why I am being charged this and how I can get it to go away. I need help.

Michael Agruss Headshot

Hi Ramon. I can likely help you to determine why Duvera Billing Services is calling you and why they're on your credit report. Give me a call at my office and we can discuss how. Thanks, Mike

Contacted many times after told to stop as well as first being told to stop because I couldn’t pay

Michael Agruss Headshot

Hi Michael. Did you send Duvera Billing Services a cease and desist letter? That is really the best way to deal with unwanted, frequent, or harassing phone calls over a debt. If you need help with this, I would be happy to speak with you. I will be in touch. Thanks, Mike

Duvera easy Pay put me in credit bureau’s and I am with them in a loan and today august 19 was my second payment. I don’t understand and my credit low because they report me. I call them and they say they don’t know Iam new with them I don’t understand

Michael Agruss Headshot

Hi Kate. It sounds like both you and Duvera Billing Services are a bit confused about your account. Do you have the paperwork you signed with them? If you do, you can email that over to me so I can review it. I will then call you to discuss your account and see if I can clear up the confusion. You can send that over to me at [email protected] Thanks, Mike

I would like to remove a late charge from Duvera on my credit.

Michael Agruss Headshot

Hello Mariana. Give me a call so we can talk about the late charge on your Duvera account. You can reach me at 888 572 0176. Thanks, Mike

I have Duvera Financial on my credit report. I receive multiple call a day at work and after hours. I would like more information please.

Michael Agruss Headshot

Hello Mitzi. Have you asked Duvera Financial to provide you with a debt validation letter? Under the law you have that right. You can do so through a certified letter sent to their offices, where will have a certain period of time to respond. You can also send a cease and desist letter to them through the same means informing them to stop calling you. If they do not, they could be violating your rights. Please give me a call so we can discuss this in more detail at 888-572-0176. Thanks, Mike

I have no idea why Duvera is on my credit report.

Michael Agruss Headshot

Hi Brian. If you're unsure about a debt on your credit report, I would recommend that you send a certified letter to Duvera informing them that you would like a debt validation letter. They then have a limited time to respond and if they do not, you have the right to file a complaint against them. I can help you with these issues and I will give you a call. Thanks, Mike

Continuously receiving phone calls, I have informed them that it was not me and have police reports as well.

Michael Agruss Headshot

Hi Jack. I would be happy to talk about this mistaken identity issue you're having with Palomar Collections. I am going to give you a call and I look forward to speaking with you. Thanks, Mike

Call more than 20 times a day, changes phone number

Michael Agruss Headshot

Hi Nathaniel. That is common practice for debt collectors--they will use different phone numbers, including local numbers, in an attempt to get consumers to pick up the phone. Do you have a call log of the times that they're calling you? If you do, please send it to my office at [email protected] I can review it and determine if your rights are being violated under the FDCPA. I will be in touch. Thanks, Mike

I have 154 dollars in collection and I want to know what I owe that money for

Michael Agruss Headshot

Hi Jason. Have you asked Duvera/Palomar for a debt validation letter? Under the FDCPA you have that right. I can help you with this. Please give me a call at 888-572-0176 for a free consultation. Thanks, Mike

I have been threaten and harrass by Duvera Financial by phone calls and regular email for trying to ruining my whole credit history and report every day. I had a contract with a company that I want to cancel but they were like say that I have to a good faith to cancel if not it doesnt mean anything to them. Also, they where keep asking me for my bank account and credit card information which I dont want to give them!

Michael Agruss Headshot

Hi Lynde. I can understand being reluctant in giving anyone your personal financial information and you should never do so unless you are completely sure of their intentions. Do you possibly have a debt that they could be attempting to collect on? I would suggest a debt validation letter request be sent to them. I can help you with all of this. Give my office a call and we can work together on getting this resolved. Thanks, Mike

I have Duvera Financial that I'm trying to stop payment on. I was sign up for a program on the internet that I never received. I didn't have time to stop payment because I was retiring from the military and I for got about it. Now that I am looking at my bank statement the same two payment have been coming out each month, $87.00 and $39.00!

Michael Agruss Headshot

Hi. I would be happy to discuss this with you and determine what we can do to help you. Please give my office a call so we can get some further information from you. Thanks, Mike

I am being harassed by Polomar Associates after being scammed by Internet wealth institute (iwi) of $4182.56, I am on social security disability and totld both IWI and Duvera however, they told meto file a taxID # and put my earnings under that, this is illegal, also don't worry wait til you start earning money and then put the money under a relatives name. Point is I cancelled this contract and now Polomar is stating I signed a contract. I never signed a contract with my hands, it was ecosigned never got a contract for myself, I have little available funds. He was nasty to me and said that If im on SSI Disability that I should have a caretaker taking care of my decisions! If I wanted to I would be able to sell onebay and dropshipping for free. They ripped me off! IWI first called and said that they understood I was looking to work at home, first question was what would be your goal...I said to be financially free of debt. They then said how much debt do you have I told them I was maxed out on all credit cards. how much can you spare you will get it back immediately I put up my last $500.00 on my credit card and then they said congratulations my secretary will forward the paperwork to you. just initial where she tells you and then type your name on bottom. I was told by Polomar they would garnish my wages or put a lean on proprerty. set up an LLC account with a different tax ID, under a relatives name. Also, I receivd a call from some guy asking me about an LLC and said call him back when I have $500.00 and they could get me financing for the next $5000.00!

Michael Agruss Headshot

Hi Darlene. This sounds like a complex situation and one that I would need some further information about. I will be in touch with you shortly to discuss this and determine what options you might have. Thanks, Mike

I had an elective surgery a few years back and lost my job shortly after. I had several account that were in collections. I had FDR help me settle one account and I paid off the other 2. I still have one with Duvera and the original amount was 8400. with interest "they say" it is at 11,000 +. I have 4,000 from FDR which I cancelled because they have been collecting for over 2 years and have only paid off one small debt. Everything I see says Duvera is a scam. I called and offered 4000 cash to settle and was told they would ask their supervisor. If I start getting harassed what are my options?

Michael Agruss Headshot

Hi Barbar. You do have some options in the event of harassment. The law can be complex, yet vague on what constitutes harassment, but I can discuss this with you. I will give you a call or you can contact my office at 888-572-0176. Our consultation will be no-obligation and completely free for you. I look forward to talking with you. Thanks, Mike

I have tried to get this off my credit report and the cerified mail came back, and it should have been removed as NY attorney general sued them and this should have been temoved. I need help from this company.

Michael Agruss Headshot

Hi Lloyd. My law firm is experienced in dealing with this company and a wide variety of debt collectors. I will give you a call to discuss what you can do for your unique situation. Thanks, Mike