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Apollo Credit Agency / Bad

1 3501 S Teller St Lakewood CO 80235Lakewood, United States Review updated:
Contact information:
Phone: 303-989-0550

I believe this collection agency uses poor business ethics .

If you have had collection issues with this agency and feel they violated your rights

First Notice

Within 5 days after you are first contacted, the collection agency must send you a written notice stating the amount of money due and the name of the creditor who referred the debt to the collection agency.
Your Rights

You may dispute the debt (or any part of it) within 30 days after receiving the first notice. Your dispute must be in writing. The collection agency must then stop collection efforts until it mails you proof of the debt (a bill or court judgment) and the name of the original creditor if requested (if different from the creditor listed on the collection notice).
You may inform the collection agency to stop calling you at work or at home, limit the hours during which they call, or to contact you only in writing only. Your request must be in writing. The collection agency must comply with your request but may sue you if it believes the debt is valid. If you are sued, you have the right to appear and defend yourself in court.
You may refuse to pay the debt or inform the collection agency to cease communication. Your request must be in writing. The collection agency may send you one final notice of its intentions. It must then comply with your request but may sue you if it believes the debt is valid. If you are sued, you have the right to appear and defend yourself in court.
You may ask the collection agency for a copy of your payment history. The request must be in writing. You are entitled to one copy a year free of charge. The collection agency may charge up to $5 for additional copies.

Communication

A debt collector may not:

Contact you by postcard.
Use an envelope that shows that the sender is a collection agency or that the contents concern a debt.
Call you before 8 a.m. or after 9 p.m. your time or at any other time or place which the debt collector knows is inconvenient for you. (If 8 a.m. to 9 p.m. is inconvenient, notify the collection agency in writing and state when you can be called).
Discuss the debt with those who do not owe it without your consent or a court order. The debt collector cannot state he is a debt collector or affiliated with a collection agency unless specifically asked. (A spouse or co-signor is generally responsible for the debt and may be contacted). Neighbors and relatives may only be contacted to obtain your address and phone number.

Contact you if you are represented by an attorney. (You should provide the attorney’s name and telephone number to the collection agency).

Prohibited Collection Practices

A debt collector may not:

Use obscene or profane language.
Make repeated telephone calls to annoy or harass, such as calling and speaking to you three times in one day.
Telephone you without stating his name within 60 seconds. The debt collector may use an alias (false name) if it is listed with the Colorado Collection Agency Board.
Threaten violence against you, your property, or reputation.
Publish or post the debt through any list other than a credit bureau report.
State that he is an attorney if he is not licensed to practice law.
Claim he works for a government agency or has governmental authority, if he does not.
Accuse you of committing a crime or threaten you with arrest.
Misrepresent that papers are legal documents when they are not or that papers are not legal documents when in fact they are.
Misrepresent the amount of the debt or collect an amount greater than the amount you legally owe.
Threaten to take actions that are illegal.
Threaten to take or sell your property, garnish your wages, or attach your bank accounts unless that action is legal and the debt collector intends to do it.
Report false credit information about you.
Make you accept collect calls or pay for telegrams.
Deposit a post-dated check before the date on the check. If the check is post-dated by more than five days, the debt collector must inform you in writing no less than three days nor more than 10 days before the date the check will be deposited. (A debt collector may ask you to write a post-dated check - the choice is yours).

Actions which are not prohibited

The CFDCPA does not prevent a debt collector from:

Contacting you by telephone, letter, telegram or in person (unless you have requested in writing that the collection agency not contact you or you are represented by an attorney).
Refusing partial payment or suing you unless you have a payment agreement with the collection agency and are complying with it.
Adding interest to the debt if permitted by law or contract.
Adding information about the debt to your credit report. However, if you dispute the debt, it must be reported as disputed.
Adding the following charges for a “bounced check” (check not paid by your bank upon presentment due to insufficient funds or a closed account): (1) a return check charge up to $20 if posted at the creditor’s business or in your contract; and (2) collection costs of $20 or 20 percent of the check amount - whichever is greater; and (3) the amount of the check. If you receive a notice to pay an NSF check and do not pay all charges within 15 days from the date the notice was mailed or served, the collection agency can generally sue you for 3 times the amount of the check for a minimum of $100 plus court costs and reasonable attorney fees. For example, if you write a check for $4.50 and it bounces, you may owe $44.50. If you do not respond to the 15 day notice, the collection agency might sue you and get a court judgment for $300 ($100 for the check amount, $150 for attorney fees, and $50 for court costs).
Complaints

Send complaints about debt collectors and collection agencies to the Colorado Collection Agency Board, 1525 Sherman Street, 5th Floor, Denver, CO 80203, [protected].
Send complaints about the collection practices of attorneys to the Colorado Supreme Court Office of Attorney Regulation, 1560 Broadway #1800, Denver, CO 80202, [protected] or toll free [protected].
Send complaints about the collection practices of creditors collecting their own debts to the Uniform Consumer Credit Code, 1525 Sherman Street, 7th Floor, Denver, CO [protected].
Send complaints about credit reports to the Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, #130, Washington, DC 20580, Phone: [protected]; Fax: [protected], Web site is www.ftc.gov.
You may sue a collection agency yourself for any violation of the CFDCPA. Contact your local small claims court or an attorney for information.
For more information on collection laws, visit our Web site at www.coloradoattorneygeneral.gov/ca.

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Comments

  • In
      22nd of May, 2011
    0 Votes
    Apollo Credit Agency - Unethical practices
    Apollo Credit Agency
    United States

    This collection agency in my opinion is very unethical if you have had problems with them and feel they violated your rights make sure you file a complaint with the Colorado Attorney General.

    Send complaints about debt collectors and collection agencies to the Colorado Collection Agency Board, 1525 Sherman Street, 5th Floor, Denver, CO 80203, (303) 866-5304.
    Send complaints about the collection practices of attorneys to the Colorado Supreme Court Office of Attorney Regulation, 1560 Broadway #1800, Denver, CO 80202, (303) 866-6400 or toll free (877) 888-1370.

    Those are good resources to use.

  • Mj
      26th of Aug, 2016
    0 Votes
    APOLLO - Unethical
    Apollo Credit Agency
    United States

    Apollo has had 135 complaints filed against it with the state of Colorado Attorney general
    They have been admonished 5 or 6 times for illegal conduct.

    Know your rights

    A federal statute known as the Fair Debt Collection Practices Act (often called the "FDCPA"), 15 USC 1692, gives you specific legal rights to sue debt collectors who unlawfully threaten, berate, intimidate or harass you; call you during odd hours, make false representations about the debt or their intentions, or otherwise act in ways proscribed by the act (and their are many). False statements may include (and this list is just a small example) threats to:

    * Attach your wages when unlawful or not intended-this includes threats to take more wages that is permitted by the federal limitation (wage attachment for a credit card debt, a non-student loan or for an obligation that is not support is generally illegal in Pennsylvania, however, now that law has been expanded to rent and lease damages in some cases-you should check the statute to be sure);
    * Contact your employer about the debt;
    * Call you "everyday until the debt is paid;"
    * Sell the debt to another company for the purposes of continuing collection on a time-barred debt;
    * Contact neighbors about the debt;
    * Contact the Department of Homeland Security about your alien status;
    * Threaten imprisonment or criminal punishment;
    * Report a financed vehicle as "stolen" because you missed one or more vehicle payments;
    * File or threaten to file criminal bad check charges on a post dated check that the collector solicited from you;
    * Immediately evict (by an agent for a landlord); lockout, or seize personal property where such relief is limited by state law;
    * Sue, where no suit is intended, e.g. a collector requested "settlement prior to possible legal action" where the collection agency had no authority to sue, or to retain counsel. This action was held to be deceptive and violative of the FDCPA by a federal court in Connecticut.
    * Or, a threat implying that the collection agency has multiple employees or investigators working to collect the debt, where only one or two people work for the agency.
    * Collect or sue for "collection costs, " "attorney's fees, " (see also below) interest not pre-agreed to in excess of that allowed by statute, "fines, " or any other fee in excess of the actual amount due, unless the original agreement provides for the amount the collector threatens to collect. For instance, the collector cannot threaten to add attorney's fees or his fees where the agreement you signed does not specifically provide for them. Let's say you went to the dentist and just signed consent form and a medical history. You agreed to pay for all charges if your insurance did not. Nothing is mentioned about anything else. The collector cannot add any other fees or even and especially, his costs, late fees or other charges.
    * Add "collection costs, attorney's fees" and similar additional charges have also been held to be deceptive and misleading, because they do not state exactly what debt is being sought.
    * Sue or bring any kind of legal action where the threat is not followed through (i.e. a scare tactic), or any number or other threats designed to demoralize, humiliate, degrade; embarrass or intimidate a debtor into payment.
    * Or any threat where the collector says he is legal counsel or an attorney/lawyer when he is not;
    * Or a threat or attempt to mislead a debtor that a claim will be transferred to an attorney or separate department of a collector (e.g. "This will be transferred to our legal department for further action"). Letters misrepresenting that the account has been transferred to an attorney may include an attorney's letterhead with threats of legal action. Have you ever received a letter from a lawyer who purportedly collects for a major creditor? Has the lawyer been out-of-state? Has the lawyer threatened to sue if payment was not made.

    Contact State of Colorado Collection board part of the state AG's office
    Mail:
    1525 Sherman Street, 7th Floor
    Denver, CO 80203

    Telephone and Fax:
    Consumer Complaints & Information: (303) 866-5304
    Collection Agency Licensing: (303) 866-5706
    Fax: (303) 866-5474

    E-Mail
    cab@state.co.us

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