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Edward Sloan & Associates Harassment

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

Debt collectors like Edward Sloan & 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 Edward Sloan & Associates violated the law, you will get money damages and Edward Sloan & 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 Edward Sloan & Associates?

Edward Sloan & Associates is a debt collection agency based in Winnsboro, Texas. Founded in 1991, ESA is not accredited by the Better Business Bureau and has received complaints via the BBB in the past three years, primarily for billing/collection problems.

Edward Sloan & Associates’s Address, Phone Number, and Contact Information

Edward Sloan & Associates is located at 1005 W. Broadway St. #G, Winnsboro, TX 75494. The main telephone number is 903-342-3802 and the main website is www.esacollections.com/

Phone Numbers Used by Edward Sloan & Associates

Like many debt collection agencies, Edward Sloan & Associates may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Edward Sloan & Associates may be calling you from:

  • 866-322-3802
  • 903-342-3514
  • 903-342-3802
  • 903-347-1221

Edward Sloan & Associates Lawsuits

If you want to know just how unhappy consumers are with Edward Sloan & 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 11 lawsuits filed in the U.S., most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Edward Sloan & AssociatesComplaints

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 Edward Sloan & 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 Edward Sloan & 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 Edward Sloan & Associates took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Edward Sloan & 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 moreper month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Edward Sloan & 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 Edward Sloan & 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.

Howdo we Use the Law to Help You?

We will use state and federal laws to immediately stop Edward Sloan & Associates’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Edward Sloan & 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 hundreds 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 Edward Sloan & 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 ofthe 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 Edward Sloan & 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 Edward Sloan & Associates

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Edward Sloan & Associates. Here are some of the BBB reviews and complaints against Edward Sloan & Associates:

  1. Representatives of this company harass me with debt collection phone calls for a man deceased two years ago who happens to have my name. Wrong guy! There exist no accounts, orders, purchases, or payments that involve me with this company’s business.”
  1. Caller keeps repeatedly calling my number at least once a month, sometimes more. I’ve asked them once before to refrain from calling my number especially because my number is a cell phone. They continue to call. Occasionally they call from different numbers.”
  2. This company harasses me continuously about a bill I do not owe. Now they have expanded their harassment to my wife, my daughter and even my son. Every sentence that they speak is a violation of the FDCPA. There is [someone] calling all of my family saying it involves the IRS and I need to speak to an “Arbitrator” over the phone; no one conducts arbitration over the phone! It is all irrational and a violation of my rights under the FDCPA.”

Based on 10 reviews on Yelp, Edward Sloan & Associates receives a 1.5-out-of-5 rating. Here are some of the reviews on Yelp:

  1. Debt collectors who refuse to answer the phone and call you at 7 every morning with a prerecorded message.”
  2. Charged me for a debt in a state over 2000 miles away that was not mine. I found this on a credit report. I tried to dispute through Equifax, yet they came back and said they the debt was mine and paid two years late, yet I never paid it! Meaning it was someone else’s charge and they had satisfied it late. They would not work with me to resolve the issue.”
  3. An automated service called every day and when I try to call back, nobody will answer.”

What Our Clients Say about Us

Mike Agruss Law has over 780 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 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.” “Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!“Mike Agruss Law 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!! He even settled it so I was paid back for the problems they caused!”

Can Edward Sloan & Associates Sue Me?

Although anyone can sue anyone for any reason, we have not seen Edward Sloan & Associates sue consumers, and it’s likely that the agencydoes not sue because they don’t always own the debt they are attempting to collect, and would alsoneed to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely thatthe 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 Edward Sloan & Associates has threatened to sue you, contact Mike Agruss Law as soon as possible.

Can Edward Sloan & AssociatesGarnish my Wages?

No, unless they have a judgment. If Edward Sloan & 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 Edward Sloan & Associates has threatened to garnish your wages, contact our office right away.

Edward Sloan & AssociatesSettlement

If you want to settle a debt withEdward Sloan & Associates, 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 Edward Sloan & Associates remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Edward Sloan & 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 withEdward Sloan & Associates, we at Mike Agruss Law are here to help you.

Share your Complaints againstEdward Sloan & AssociatesBelow

We encourage you to post your complaints about Edward Sloan & 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 Edward Sloan & 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 Mike Agruss Law at (888)-572-0176 to stop the harassment once and for all.

Submitted Comments

Brian
7 years ago
Edward sloan calls my phone over and over and over. I have requested they send me information in writting proving this bill is mine but to this time they have never provided me documentation proving such and the calls never stop.
Kelly
7 years ago
I have 3 accounts with your office and I just spoke to the original creditor whom I'm still a patient with and they said these were paid in 2012-2013 - I need to get my credit report updated and those removed from my credit report Kelly Lindstrom Not that I'm aware of I am however very upset and working with a lawyer to get this off my report as it is false information!
Randi
6 years ago
I'm getting calls from Edward Sloan asking me to call them back before 5:00 p.m. from a lady, just now from a man, They do not say what bill its about. Possible S Austin Sports or Seton Medical Center. If its from Austin Sports I did send them a letter after repeated calls to send all correspondence by mail. I continued to get calls to collect a debt. I have saved calls on my phone. I do not want further calls from Edward Sloan and certainly with no demands. I'm on Social Security only and can only pay as I can. I'm facing health issues now that are major such as a major surgery. I don't know what the debt is or how much. Any help will be appreciated to get these people to stop calling.
Christopher
6 years ago
An Eli Sloan left a threatening voicemail on my work phone, saying that they would be filing a civil action against me if they don't hear from me today. They also called my brother in regards to something about my debt. I called the number back because they were calling me at work, and I asked what business it was, she told me it was Edwards and Associates and that I would need to be put on hold so she could go and pull my file. Everything is computerized now, so this is bogus, and she claimed they were an attorney's office, which I Googled and found out that they are not a law office. I have never received anything in writing from these people and believe it's a debt collection scam.
Christopher
6 years ago
An Eli Sloan left a threatening voicemail on my work phone, saying that they would be filing a civil action against me if they don't hear from me today. They also called my brother in regards to something about my debt. I called the number back because they were calling me at work, and I asked what business it was, she told me it was Edwards and Associates and that I would need to be put on hold so she could go and pull my file. Everything is computerized now, so this is bogus, and she claimed they were an attorney's office, which I Googled and found out that they are not a law office. I have never received anything in writing from these people and believe it's a debt collection scam!
JASON
4 years ago
I owe a medical debt to the hospital and they keep calling me several times a day. They disturb me at work with the calling.
Michael Agruss
3 years ago
Hi Jason. Have you informed them to stop calling you at work? You have that right under the law. I can help you with this. Give my office a call and we can discuss the law, your rights, and your options in dealing with medical debts. Thanks, Mike
Michael Agruss
3 years ago
Hi Christopher. You can certainly request a debt validation to determine if the debt they are attempting to collect on is a legitimate debt. Debt collectors are not permitted to threaten you with legal action unless they intend on following through with it, have you received any paperwork regarding your case? Did the representative give any personal information to your brother? If they did, they may have violated your rights. Please contact my office at your earliest convenience and we can chat about your next steps. Thanks, Mike
Michael Agruss
3 years ago
Hi Randi. You have the right to request a debt validation letter from Edward Sloan and Associates. This will allow you to determine who the debt comes from and how much you owe, and if the debt is legitimate or not. If you would like help with this, give me a call. My law firm is experienced in dealing with Edward Sloan and Associates and we won't back down in representing you. I look forward to speaking with you. Thanks, Mike
Michael Agruss
3 years ago
Hi Kelly. My law firm does not own your debts, instead I represent consumers like you are struggling with debt collection. If you need further assistance, you are free to contact my office. Thanks, Mike

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