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AMO Recoveries - What allegations have people made against them?

Submitted by on Fri, 10/21/2005 - 10:17
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Has anyone heard of AMO Recoveries in Norcross, GA? According to the BBB they have an unsatisfactory record. I received an AMO debt collection notice for $32.02 on a credit card and all the letter states is that AMO Recoveries has been informed that the account is past due, and DO YOU INTEND ON PAYING THIS DEBT? Their address is 7067 W Broward Blvd. Suite C Plantation, Florida 33317. I think a debt validation letter is in order. If anyone has heard of AMO Recoveries, please let me know.


Hi

Welcome to the forums.

The creditors might have sold the account to this AMO debt collection agency when your account became past due. It is better to pay it off to improve your credit ratings.

Ask the agency to validate the debt. This will help you in knowing some more details about this account and proper calculation of interests. Make payment arrangements and update your information only after the debt gets validated by them. Send all your correspondence through certified mail with return receipt requested. This will help you in keep a record of your correspondence made.

Some more addresses to contact this agency are given below.

AMO RECOVERIES / AMO Recoveries Collection Agency
4425 W. Olive Avenue #203
Glendale, AZ 85302
Principal: Marc Johnston
Customer Service Contact: David Miers (former),
Phone Number: 623-934-6800
Fax Number: 623-934-6842

AMO RECOVERIES, INC.
PO Box 19439
Plantation, FL 33318
Local Phone Number: (866) 859-7064
Fax Number: (954) 321-7780

Regards
Roxette


Submitted by roxette on Fri, 10/21/2005 - 12:08

roxette

( Posts: 4009 | Credits: )


Yes, they are harrassing me at work after repeatly telling them not to call me at work. They spoke to my daughter one evening and cussed at her. I have given them specific instructions not to call me at work. They have told me they are going to garnish my wages. Then they called and told a co-worker they would be serving me with papers. It is making me nervous and embarrassed. I spoke to supervisor and the calls stop for about two weeks at my workplace. Now they call repeatly so times 5-6 in a row. i don't have the money to pay nor do I want my paycheck garnished. I barely pay my necessities now. What can I do? I can't even afford an lawyer. :( :(


Submitted by on Wed, 10/26/2005 - 14:52

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Send them a cease and desist letter to stop contacting you. As per the fdcpa law, they can't contact you repeatedly after you have requested for the debt to be validated.

Your wages can't be garnished until your debt has been validated. Besides, they have to get orders from the court to take this action. You might be asked to appear in the court. So, if they start garnishing your wages all of a sudden without legal proceedings, you have the federal rights to dispute it.

Send your debt validation letter through certified mail with return receipt requested. This will prove that you have interest to pay this debt and wish to get it validated first.

Seeing this, the court will rule in your favor and ask the company to validate the debt first.


Submitted by ben on Wed, 10/26/2005 - 17:40

ben

( Posts: 2034 | Credits: )


Thanks. I will do what you suggested and see it that will help. I am so thankful I do not work for a debt collection agency. Sometimes people fall to hard times beyond their control. Thanks again.


Submitted by on Wed, 10/26/2005 - 20:23

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Angry,

Please keep us updated with the whole process and I am hoping that these collection calls will stop after they receive your letter.


Submitted by ben on Thu, 10/27/2005 - 12:10

ben

( Posts: 2034 | Credits: )


To Amo Recoveries

I was researching a payment my company received on an already paid debt and found your post regarding [SIZE=3][COLOR=#0000ff][/COLOR][/SIZE]Amo debt collections which is where the payment came from. Coincidentially, this morning I was reading about "Zombie debt collectors" (see web site below). Can this be what is happening to you? Good luck.


Link made inactive as per forum rules - Vikas


Submitted by on Thu, 11/03/2005 - 15:15

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Cardoza

We are not Amo Recoveries. This is one of the pages about the company you are looking for in our website. The community is discussing about AMO Recoveries here and your search for the company resulted to our page in the internet.

So, you need to contact the actual company and place your request.

Regards
Roxette


Submitted by roxette on Thu, 11/03/2005 - 15:30

roxette

( Posts: 4009 | Credits: )


I already found what I needed on AMO at another site but was hoping to help "mom of twins" with her dealing with AMO. The (now inactive link) mentions this new trend of "zombie collections" and thought that might be what was happening to her. The check we got from AMO was small and the original debt from many years ago has already been paid. We did not sell the debt but suspect a collection agency we formerly dealt with may have.


Submitted by on Thu, 11/03/2005 - 15:44

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Cardoza

After you paid the debt, I hope your credit report might have been updated as 'paid in full'. This is a very important status so that you can prevent from such unwanted collection calls and their illegal actions of tampering with the debt.


Submitted by roxette on Thu, 11/03/2005 - 15:50

roxette

( Posts: 4009 | Credits: )


The same thing happened to me with these people. I understand they are trying to collect but they are just being rude and condescending. I told them several times not to call at work but that is where they insist on calling me. They told me to try to get a loan to pay off the debt (it's quite substantial) and I did - but then I tried to call them back and they were never available. Now they are calling me again at work telling me that I probably didn't even try to get the loan and pretty much trying to tell me that I was a deadbeat. I'm going to follow Ben's advice and hopefully that will work.


Submitted by on Fri, 06/09/2006 - 06:24

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Mom of Twins 2

Stop the collection agency from calling at your place of work. The company is required to follow the federal laws after receiving your cease and desist letter. Send your letter through certified mail and keep the receipt in your file. You need to have everything documented if you are thinking of filing a legal case against them in the future. Read the FDCPA and know more about your legal rights while dealing with the collection agencies.


Submitted by Gretchin on Fri, 06/09/2006 - 13:45

Gretchin

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We do it buddy, maybe you should practice some decent collections in the first place? :wink:


Submitted by Justme on Tue, 06/20/2006 - 16:18

Justme

( Posts: 479 | Credits: )


Why do you people keep coming in here telling us to pay our bills ontime? You know absolutely nothing about us, or what our situation is.


Submitted by Not so Lucky on Tue, 06/20/2006 - 16:20

Not so Lucky

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Common Sense,

Maybe you cannot read what the posts are truly about. People here are NOT trying to get out of their debts. They come here seeking advice after dealing with a nasty collection agency. Just because someone owes a debt, it does not give the CA a right to violate the fdcpa laws and to harass the consumer. Now, do you always pay your bills on time? Maybe you should not judge UNTIL you have walked in someone else's shoes. Now shoo!


Submitted by on Tue, 06/20/2006 - 17:53

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Common Sense...Did you ever hear the phrase "Sh** Happens?" Thing happen, and you can't always control it.

Pray that you don't get into a car accident and have over $20,000 in medical bills and everyone wants their money NOW. Including your regular living expenses-rent, utilities, etc.

Yes, there are bums out there that take advantage, but not all of us. Just like their are awesome HUMAN collectors out there..You won't see me lumping THEM into one group with the bad ones, you shouldn't lump us together either.

Come back when you have something to say that's constructive. Until then, stay out of our hair.


Submitted by Jessi on Wed, 06/21/2006 - 16:13

Jessi

( Posts: 3361 | Credits: )


I am having similar issues and I am doing CCC I am still getting letters from them Any ideas? :evil:


Submitted by on Mon, 07/17/2006 - 12:49

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Lol i love that response tammy i hear it so much....let me ask you something tammy....can i borrow 1000.00 my car will break down tomorrow, and then my cat will die, then ill have to go to the dentist and you know i have no insurance cause im living off th goverment baby...youlll get your money back lets say in two years...but i only feel i owe you 1000.00 and no intrest...and possibly on that date i might have my phone disconnected...your crazy if you cant affor to pay the credit back or pay for services remvered why would you try to use it


Submitted by on Tue, 07/18/2006 - 22:37

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Tazman you should rethink ccc trust me on this one they are glorified accountants non profit my ass they charge you to pay your bills, had you set up the arrangement you wouldnt be gwetting letters, find out what the ccc is paying your creditor after they take their fee chances are they are only paying like 10.50 a month seriously if you have intrest accruing accounts you will neever be debt free...why do you need them to do something you can do yourself for free...where do you think they get the money to pay their employees...i would take matters in my own hands if i were you it would save a lot of money and headache...as far as amo what state do you live in if its washington and the office your getting letters is from washington office they only need to find ur employer and current adress to garnish 25% of your wages ans all you have to owe is 150.00 i used to work their so i know a little...i suggest you just call and try resolving it on ur own the ccc is the biggest scam ever..seriously aske them for a statement...flip it on them ask what they are paying monthly and what are you paying them some take the money up from and then start paying ur creditors...i saw one one time cost somone 600.00 then once that was paid the monthly pmt was divided between the creditors they contacted...you dont want that to happen to you???


Submitted by on Tue, 07/18/2006 - 22:47

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Find out who the original creditor was. On such a low bill it could be for a magazine subscription, something for a kid's site plus a bit of interest. It is to your benefit to pay off low balance debts like this as fast as you can because it definitely improves your credit reliability. I have worked in collections for years (25+) and it always amazes me when people refuse totake care of the more managebale debts they have. It's just plain crazy. Bite the buller, straighten out the problem and make sure you get a letter before you pay the debt. giving the credit info and the balance. Then after you submit your money order (checks tell too much), submitted with your lette, make sure you get a confirmation of payment received and that the credit bureau is notified that the debt is "satisfied in full". You want to keep all copies of recent documentation in case it comes up when applying for a loan or credit down the road.


Submitted by on Mon, 07/24/2006 - 09:31

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hey commonsense I take it you never lost your job or
ever got laid off?. maybe you should mind your own
business!.


Submitted by on Sat, 08/19/2006 - 10:26

( Posts: 202330 | Credits: )


I have an account with AMO,I have been paying on my account for a year. This morning I called them because my balance on my statement was incorrect. First of all, the person that I talked to last year is no longer employed there so I got another person that was rude from the beginning. She informed me that I have 10 past due accounts with them. First time hearing that. I ask her for the account numbers because I have payment arrangements with the hospital that she said I have these accounts with.I think I unleashed a monster for asking this. She told me she didn't have to give me the account numbers because some of them were paid. My concern was have I paid double on these accounts. Just wanted my account numbers. She started giving me the numbers so quickly that I ask her to slow down, she then informed me that she didn't have to. She was very rude, told me she was upset with me because I had 10 accounts with them. The point, I work CSR and I would never talk to anyone the way she talked to me. When I said that to her. She said she wasn't customer service. I ask to speak to her Manager, she quickly told me his name then hung up. When I called back she had a whole different story made up. Telling me I was rude to her. I did get upset when she would not give me my account numbers. I ask her to mail them to me, she said she would not, I ask her to email them to me, she said no. I need to compare the numbers because I feel I have paid twice . I do not know what to do.


Submitted by on Wed, 09/20/2006 - 08:53

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I had recieved this letter from amo recoveries.here is a another address from where they come from. 3120 mcdougall ave everette,wa 98201 866-246-0758


Submitted by on Tue, 10/03/2006 - 06:55

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I keep getting these messages on my machine to return a call to AMO, when I call I find out its AMO recoveries. I have NEVER not paid a bill, and never been over 30 days late for anything. I have excellent credit. My phone number is only a year old and it isn't listed. I bought my house a year ago and not one bill has been late or missed. What is going on? I researched the company and find awful things. How did they get my number? And I can't get a hold of anyone. i call the 800 number and get a recording to leave a message which I won't do. What the heck???


Submitted by on Tue, 10/24/2006 - 08:59

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My college son had a $500 cell phone bill...unpaid....sent to AMO Recoveries. They have added on $116 for "Collection fees". They are calling us saying they have this right because of the origional contract he signed with US Cellular. They were unwilling to work out a payment plan or anything with him. He only makes $80 a week at the nursing home and is in college full time. What is the likelyhood they will take him to court? His ex-rotten girlfriend had him sign the contract ant then ran up the bill before they split. HELP!!!!! We looked them up withthe BBB....NOT GOOD!!!!!


Submitted by on Wed, 10/25/2006 - 19:22

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I paid a bill on time in 2005 and AMO recoveries started calling me over a year later, in Jan. 2007, saying I hadn't paid. I sent proof from my bank statement, but they weren't satisfied. I had to call or fax different people over 30 times to create a paper trail proving that I had paid my bill. At one point they lied to me on the phone saying I had paid in Dec. 06, so I sent them a fax proving otherwise, and they never apologized, just came up with new reasons not to fix my credit score.

Finally one of their reps admitted that I had indeed paid them in 05. They said they would fix my credit report and mail me proof. Instead, they did nothing, and a month later started calling me again telling me to pay them.

The amount I paid them is 725 dollars, and they keep trying to extort double my money from me. Just today they lied again and said that the website I paid my bill on would only credit the hospital directly, not them. I called the website and they confirmed the opposite, they only pay AMO, which is supposed to pay the hospital themselves.

So I gave AMO money in 05 which they kept but did not pay the hospital apparently. This is the worst company of any kind I have ever experienced. I have no idea how any of them sleep at night.


Submitted by on Thu, 04/05/2007 - 13:57

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I left the collection agency business last year after 30 years. As a senior executive of AMO Recoveries, I can tell you that not only AMO, but most all agencies use the tactic that the money must always be sent to them for proper credit. Call the original hospital that you owed as ask for the patient accounts manager. tell them exactly what happened and they will recall the account from amo. if that doesn't work, contact the Federal Trade Commission in Washington, D.C. They will assist you and at the very least, make AMO stop. Good luck.


Submitted by on Thu, 04/12/2007 - 17:19

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The University of Wisconsin-Milwaukee has referred my defaulted Perkins student loan to AMO Recoveries for collection. The original amount of my bill was $2200.00. AMO Recoveries added nearly double that amount onto the original bill via fees, etc. I contacted UWM to arrange payment of the original $2200.00 in full, instead of paying nearly double that to AMO Recoveries. UWM declined, stating that since the debt was 29 months overdue and that I cannot deal with the University and must go through AMO Recoveries exclusively.
The debt is so overdue because I have had serious prolonged financial trouble and have been unemployed or working temporary jobs for many years. I have resolved that now and can pay the original Perkins student loan in full.
Is there a way that I can persuade, even force, the University of Wisconsin-Milwaukee to accept payment in full of the original $2200.00 Perkins student loan and bypass AMO Recoveries, along with their exorbiant additions, entirely?


Submitted by on Tue, 05/08/2007 - 04:35

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-Decency is not Dead-
I am having almost the same problem as you, with University of WI-Platteville. In 2001, I had to drop out of classes after 4 weeks after I found out my financial aid wasnt going to go through. They told me too bad, It was 1 week after the drop date and I would still owe for the full semester at $1400! Right after I dropped it took me awhile to get back on my feet, but once I did I contacted UWP to make payment arrangements. I UNDERSTOOD that I would have some interest charges that I would have to pay. But when I called them to set up the payments, they had already sold my account to a collection agency that was now telling me I owed them $4500! I asked UWP if I could just pay them directly, and they said NO.

But, imagine my surprise when 6 YEARS LATER (this past Feb.), that agency gives up & GIVES my acct back to UWP! I found out because they actually garnished my state refund check, but I was ecstatic anyways because UWP sent me a letter saying I owed $2450 (which I thought was reasonable) and I was just so happy the account was back with Platteville.... or so I thought. Not even a week later I got a letter from a new collector (AMO recoveries) stating I owed them the $2450! I was mad but since it was the same amount I figured hey I'll just pay it & get it over with... so I call my "assigned collection" lady who I tell I can only pay $1900 right now & would like to pay $100 a month after that. She states she needs me to fax the written letter stating this, & she would forward to Platteville to see if they would accept. Ok so I did that. But in the meantime, they sent me a NEW letter (1 week after the 1st letter) stating I now owed $3700! I was furious and called the lady & said I have one letter dated the 4th stating I owe $2450 from AMO & 6 DAYS LATER another letter from AMO stating I owe $3700! She tells me "oh UWP called & told us we forgot to add the collection fees on, theres no way around paying those!". Why would UWP call to make sure AMO collected $1250 in fees? The lady states I need to call her back by Thurs to let her know how I plan to proceed, but now I dont know what too do....


Submitted by on Tue, 05/08/2007 - 21:46

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Maybe everyone should get a fresh start every 5 years. Everyone has bills, even debt collectors someone is collecting from them to. Its like we all chase each other for the dollar. Sort of like a d :d og who chases his tail. "dont worry be happy"


Submitted by on Wed, 05/09/2007 - 18:35

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Well the amount of my state refund check was only $550, so after they garnished that I still owed $2450. Which is still a lot more than what I originally owed, but I was willing to pay it. Now it's w/ AMO and obviously a lot higher.

I just dont think it should be legal for collection agencies to tack such huge fees on a debt w/ no apparent justification for the amounts.... Why doesnt the government regulate what amount of fees a collection agency can add to a debt? It doesnt make sense to me.

Does anyone know if theres any statute of limitations or end of reporting period for tuition debt? Because maybe Platteville would take my debt back if they knew they were getting to the end of that???


Submitted by on Wed, 05/09/2007 - 20:19

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[font=Times New Roman][/font][color=Violet][/color][size=3][/size][size=6][/size][justify:c4abfca545] :twisted: I can definately sympathize with your predicament. I was employed at an area hospital. Not long after I was contacted by the local constable with a court summons. AMO was suing me for the hospitals bills for my family that had been sent to my (now X) husband, or not sent at all. My insurance at the time had payed and I had not seen any bills. I was put on a joint account with him and we both were assigned parts of the grand total. I have been the only one trying to pay it and he has been getting off scott-free, but yet I get the greife from the agents because I am a "single" mother that falls behind every few months or so. Hey at least I am trying to pay them for bills I didn't know about and support the "now two" children that he doesn't help me with. In the grand scheem of things they are lucky that they get $10 a month, and they wanted over $1oo. :lol: Sometimes some people make me sick. :cry: [/justify:c4abfca545]


Submitted by on Wed, 06/20/2007 - 14:49

( Posts: 202330 | Credits: )


I had a truck in a divorce that went to my ex-husband. He hasn't paid a dime and now AMO is trying to recover the funds. The lady is trying to tell me that they will garnish my wages and not even take me to court for it. I have also asked repeatedly if the vehicle was repossessed but she would avoid the question until today when she told me it was. I don't know if she's just lying or what. Any advice?


Submitted by on Tue, 07/03/2007 - 08:42

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They cannot garnish wages without a court order, she is lying and in violation of the fdcpa. Next time she calls tell her that, and if your state allows it tell her you are recording the conversation.

Do you have documents from the divorce showing the title being turned over to him and that he is responsible for it? If so they can do nothing to you as far as I know.


Submitted by ramj70 on Tue, 07/03/2007 - 08:50

ramj70

( Posts: 193 | Credits: )


I do have the divorce paperwork that says he's responsible. I called the bank when I was divorced and they basically said, "yeah good for you, you're still responsible if he doesn't pay"

Thanks for the advice about that garnishment.


Submitted by on Thu, 07/05/2007 - 17:26

( Posts: 202330 | Credits: )


I have defaulted on 38,000.00 on my private educational loans through Key Bank which has been sold to AMO Recoveries for collection. They are willing to settle the account fo 26,0000.00 however I can't get a co-signer for a loan, as the defaulted status has affected my credit. My major concern is that they are offering me two choices, down payment of 5,000.00 an than to estabhlish monthly payments or settle payment of 26,000.00. Which one should I do? Are thier more option for repayment that AMO is choosing not to share with me?


Submitted by on Fri, 08/03/2007 - 09:01

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Here is another AMO nightmare; Got a notice for a past due $400 Discover acct. Problem is I have never had any sort of discover acct nor has Discover ever contacted me about any acct. I don't even have credit cards or loans or anything. Not in years. This is the second time AMO has done this. Last time it was for a auto loan that I never had. Looks like it's time to get the ole credit report and try to fix this mess. AGAIN.


Submitted by on Fri, 08/17/2007 - 15:10

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i work for amo recoveries as a debt collector and i am also a single mother going through hard times, the rules are very simple, if you don't want to be called at a certain phone number send a cease and desist letter. i can't speak for any other collection agencies but amo is almost always willing to work with anyone. as long as you talk to us like an adult and as long as you are willing to try to work with us we will work with you. we are all PEOPLE too and we all go through hard times but as responsible adults we need to take care of our problems. i am so tired of people talking down on collectors when we werent the ones who put you there and aren't the ones telling our kids to answer the phone and screen calls and hanging up on us, real mature!!!!!


Submitted by on Tue, 08/21/2007 - 10:58

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i was niether trying to be immature nor unprofessional i am at work right now and have litterally been dealing with debtors doing exactly what i stated all day now, unless you have work in collection you have NO IDEA what collectors go through try living in someone elses shoes, we are normal people and have to live in debtors shoes try being on the other side...


Submitted by on Tue, 08/21/2007 - 12:35

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ok i have been reading some things others have been posting and yes i do agree that some times people go thru hard times i have been there myself. it is a typical stereotype us collectors have that all we want is money and that we dont undertstand what people go thru. now, i cant speak for everyone else but i can speak for most of us, believe it or not we do care about the people we call and we do want to help them thats why we call. unless you have worked in collections you wont really understand how it works.


Submitted by on Tue, 08/21/2007 - 12:56

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