You are currently viewing AmeriNational Community Services, LLC Debt harassment?

AmeriNational Community Services, LLC Debt harassment?

AmeriNational Community Services, LLC Debt harassment?

If you have a strong opinion that AmeriNational Community Services, LLC has broken the law, there are several ways you can proceed. The Fair Debt Collections Practices Act, for instance,  is a federal law in place to place limitations on what AmeriNational Community Services, LLC can do and say when attempting to get you to resolve a debt. The FDCPA covers a variety of instances including mortgages, credit cards, medical debts, and any other debt for personal, family, or household purposes. The FDCPA, however, does not cover business debt or debt that is owed to the original creditor, rather than the collection agency.

According to the FDCPA, a debt collector or debt collection organization cannot contact you in an unusual place or at an unusual time that they would know is inconvenient, usually, before the hours of 8 am or after the hours of 9 pm. They are also instructed to refrain from using any type of harassment methods or scare tactics in the collection process, regardless of how much money you owe. Additionally, if they are notified that you have hired an attorney to represent you, they must immediately cease direct communication with you and transfer all further details regarding your debt to the desk of your attorney.

AmeriNational Community Services, LLC must act in accordance with the FDCPA (Fair Debt Collection Practices Act), which protects your rights throughout the debt collection process. Failure to do so can get them fined up to $1000 in statutory damages.

The ABCs of the Debt Collection process 

  1. When your debt has gone into default for the first six months, you usually will usually be in communication with the internal collector of your original creditor. Your original creditor’s internal collector is also called a first-party agent (you, as the debtor, are the second party, and if the debt gets transferred to a debt collection organization, they become the third party).
  2. If your debt has gone into default for a long time and you still fail to repay your debt, it will be assigned to a third-party debt collection organization. The debt is, however, still owned by, and owed to, the original creditor. If the third-party agency successfully gets you to resolve your debt, they will earn a commission from the original creditor. The commission may be in the form of a fee or a percentage of the total amount owed; this is probably why they are famed to be so relentless in their collection tactics -because they earn only when they get you to resolve your debt.
  3.  In the final and the direst stage of the process, your original creditor will write off your debt and sell it (often for pennies on the dollar) to a third-party debt collection agency. In this stage of the process, your original creditor is no longer involved. It is now up to the debt collection organization to recoup as much of the debt as they can because the profitability of their debt purchase depends on it.

About AmeriNational Community Services, LLC

AmeriNational Community Services, LLC is a third-party debt collector located in Downey, California. The company was founded in 1999, and specializes in originating mortgage loans, selling mortgage loans to permanent investors, and servicing loans.

Contact Information

8121 Florence Ave,

Downey, CA90240-3913


Phone: (800) 943-1988

FDCPA Violations you should NEVER ignore

  • If debt collectors call you repeatedly or ceaselessly, they are not acting in accordance with phone harassment laws. The FDCPA considers repeat calls from debt collectors, amounting to the excess of 7 times a day as a case of harassment.
  • If debt collectors call you before 8:00 am or after 9:00 pm, it may also be considered as a case of telephone harassment.
  • If debt collectors are rude or hurl offensive, obscene, profane, or abusive words at you. the use of such words in customer relations is considered harassment. You are allowed to report such abusive phone calls to the police.
  • If debt collectors demand that you pay interest, fees, or any other expenses that are not stipulated by law. The collector is not permitted to include any extra fees that your original credit or loan agreement does not allow.
  • If the collector asks you to pay an amount in excess of what you owe. Misinterpretation of the loan amount is a mistake not permitted on the part of the collector.
  • Debt collectors are not allowed to threaten to sue you, harm you, or destroy your credit. Making such threats is considered an act of harassment.
  • Collectors are not permitted to threaten you with an action they can not or will not take; thus, they can’t threaten to sue or file charges against you, garnish wages, take your property, cause job loss, or ruin your credit, as this goes against phone harassment laws.
  • If debt collectors keep calling the wrong person repeatedly, they are not acting in accordance with phone harassment laws.
  • If the collector fails to notify you of your right to dispute the debt, they have erred on the side of phone harassment laws.
  •  Information about your debt is to be kept within relevant authorities. If debt collectors illegally inform a third party about your alleged debt, they have violated the FDCPA. They are only permitted to reveal such information to a third party if you have expressly given them permission.  The only people authorized to receive information about your debt are your attorney, the creditor, the creditor’s attorney, a credit reporting agency, and your spouse or parent(s) (in cases of minors).

TCPA Violations you should NEVER ignore

If you are plagued by frequent unwanted calls, it may seem like too much to handle. The good news is that the Telephone Consumer Protection Act (TCPA) was primarily established to protect the rights of consumers like you. The TCPA bill was first passed in 1991 due to consumer complains about the increasing amount of unwanted telephone marketing calls made to them, and the frequent use of automated and prerecorded messages.

In response to the complaints of consumers, the FCC established laws which stipulate that telephone solicitation representatives must provide:

  • His or her name
  • The name of the person or entity on whose behalf the call is being made
  • A telephone number or address at which that person or entity can be reached

The law also bans telephone representatives from making solicitation calls to your home before 8 am or after 9 pm. It also requires telemarketers to comply with your request to not be contacted again.

Finally, the act restricts sending unsolicited advertisements by fax to anyone without their prior consent. If the Telephone Consumer Protection Act is violated then you may be entitled to $500 in damages for each violation.

You may have a case against Conrad Credit Corporation if they have acted in any of the following ways.

How to stop unwanted calls from AmeriNational Community Services, LLC

In order to stop those badgering calls you are currently receiving from AmeriNational Community Services, LLC, you will need to write a cease and desist letter. A cease and desist letter is a document that directs your debt collection agency to stop contacting you about an unsettled debt. A cease and desist letter; however, does not eliminate the need to settle your debt, it only gets rid of the annoying debt collection calls, letters, and emails you are currently receiving. It is additionally advisable to seek legal advice.

If you have no idea how to construct a cease and desist letter that gets the desired results, or if your debt collection agent has failed to respect a cease and desist letter you have sent in the past, call us now on 844-791-1990 and we will be happy to review your case for free.

AmeriNational Community Services, LLC is often referred to or searched for by other names. These include:



ACS Community Services

About this site (Telephone Harassment)

Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms, and Original lenders. We also encourage consumers to share their experience dealing with collection harassment, legal threats or excessive phone calls to help prepare others for the kind of treatment they are likely to receive. We alert consumers of scams and notify them about the harassment and scare tactics that many collection agencies employ, many of which are against phone harassment laws.

Call us now on 844-791-1990

AmeriNational Community Services, LLC may be contacting you from the following numbers:



AmeriNational Community Services, LLC BBB Information

BBB file opened: 2/24/2009

Consumer Rights Law Firm Center BBB information

BBB Rating: A+

Leave a Reply