Debt collectors like Tate & Kirlin Associates 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 Tate & Kirlin Associates violated the law, you will get money damages and Tate & Kirlin Associates will pay your attorneys’ 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 Tate & Kirlin Associates?
Tate & Kirlin Associates is a debt collection agency based in Philadelphia, Pennsylvania. Founded in 1993 (according to Bloomberg), this agency is not accredited by the Better Business Bureau and has received over 60 negative reviews and complaints via the BBB in the past three years for billing/collection problems, harassing phone calls, attempting to collect fraudulent debts, and unlawfully threatening actions that weren’t intended to be taken.
Tate & Kirlin Associates’s Address, Phone Number, and Contact Information
Tate & Kirlin Associates’s address according to its website is 580 Middletown Boulevard, Suite 240, Langhorne, PA 19047; the alternate address listed by the BBB is 2810 Southampton Road, Philadelphia, PA 19154. The main telephone number is 800-355-0333 and the main website is https://tatekirlin.123fastpay.com/Home.aspx
Tate & Kirlin Associates Lawsuits
If you want to know just how unhappy consumers are with Tate & Kirlin Associates, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display nearly 200 lawsuits filed across the U.S., most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
Tate & Kirlin Associates Complaints
The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Tate & Kirlin Associates is harassing you over a debt, you have rights under the FDCPA.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 Tate & Kirlin Associates 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 Tate & Kirlin Associates took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Tate & Kirlin Associates, 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 Tate & Kirlin Associates 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 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 Tate & Kirlin Associates 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 its 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 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 Tate & Kirlin Associates’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Tate & Kirlin Associates 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 and 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 Tate & Kirlin Associates 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 Tate & Kirlin Associates 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.
Complaints against Tate & Kirlin Associates
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Tate & Kirlin Associates. Here are some of theBBB reviews and complaints against Tate & Kirlin Associates:
- “I received a letter claiming I owed them several hundred dollars for a debt that was paid over six months ago to a different creditor.”
- “I received a letter from this agency stating that I have a debt to another agency in the amount of $139.97. I dispute this debt. I do not owe anything to this or any other company. If I ordered anything in the past for free trial I always stopped the next order by calling their customer service during the trial period. I read a lot of reviews on this site that have similar complaints and even the amount owed is the same.”
- “I received a letter saying that I owe another agency money. I do not have any business relationship at present nor in the past with this entity. What can be done to stop this company from harassing people? Can they report this stuff to the credit bureaus with no evidence? Seems like they are trying to collect information about me, they know nothing about me except what they got off of the internet, my name and address. This is scary if they can report this stuff to the credit bureaus.”
Based on 13reviews on Google, Tate & Kirlin Associates receives a 1.9-out-of-5 rating. Here are some of the reviews on Google:
- “Just got a letter from them saying they’re willing to settle a debt for 50% off. I have no debt with the amount they’re trying to collect and the debt is not on my credit report. Their website immediately asks for payment info without showing a balance first. Totally a scam.”
- “Cannot reach anybody regarding why they’re taking money out of my account, and more importantly how they got my bank account info. Cannot leave a voicemail, cannot send an email, no way to contact them. Now I have to change my bank account. Very bad people there and I hope life pays it back to them.”
- “Apparently Tate & Kirlin Associates do not care about the law (FDCPA Fair Debt Collections Practices Act) that prohibits them from calling 3rd parties to collect a debt! Guess they’ll care when they have a judgement against them for it!”
Cases We’ve Handled against Tate & Kirlin Associates
I THINK YOU’LL AGREE WITH ME WHEN I SAYThreats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are two cases we’ve handled against Tate & Kirlin Associates:
- Brian v. Tate & Kirlin Associates – In February 2018, Brian of Buchanan County, Missouri, filed a claim against Tate & Kirlin Associates for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints consisted of harassing phone calls, including after the plaintiff requested that the calls stop, and ignoring the plaintiff’s dispute of the validity of the alleged debt. The case was resolved in March 2018.
- Rebecca v. Tate & Kirlin Associates – In August 2012, Rebecca of Portage County, Ohio, filed a claim against Tate & Kirlin Associates for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints consisted primarily of attempting to communicate with the plaintiff after receiving a cease-and-desist letter. The case was resolved in October 2012.
What Our Clients Say about Us
Agruss Law Firm has over 795 outstanding client reviews through Yotpo, an A+ BBB rating, and over 105 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 all together!! Even settled it so I was paid back for the problems they caused!”
Can Tate & Kirlin Associates Sue Me?
Although anyone can sue anyone for any reason, we have not seen Tate & Kirlin Associates sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Tate & Kirlin Associates has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.
Can Tate & Kirlin Associates Garnish my Wages?
No, unless they have a judgment. If Tate & Kirlin Associates has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Tate & Kirlin Associates has threatened to garnish your wages, contact our office right away.
Tate & Kirlin Associates Settlement
If you want to settle a debt with Tate & Kirlin Associates, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will Tate & Kirlin Associates remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I receive confirmation in writing from Tate & Kirlin Associates for 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 Tate & Kirlin Associates, we at Agruss Law Firm are here to help you.
Share your Complaints against Tate & Kirlin Associates Below
We encourage you to post your complaints about Tate & Kirlin Associates. 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 Tate & Kirlin Associates 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.