American First Finance Debt Collection Harassment — Stop the Abuse Today
American First Finance Debt Collection Harassment — Stop the Abuse Today
Blog Article
Have you been receiving repeated phone calls, threatening letters, or facing unauthorized bank withdrawals from American First Finance? You’re not alone—and you have the legal right to make it stop.
At ConsumerLawFirmCenter.com, we help protect consumers from illegal and abusive debt collection practices. If you're experiencing debt harassment from American First Finance, you may be entitled to financial compensation.
Who is American First Finance?
American First Finance (AFF) is a financial services company that offers lease-to-own and installment loans for retail purchases like furniture, electronics, and appliances. While their services are marketed to help consumers with poor credit, many people report feeling trapped in confusing contracts and targeted by aggressive collection efforts.
Common Complaints Against American First Finance
Many consumers have reported:
???? Multiple phone calls per day — even after asking them to stop
???? Robocalls or automated messages to their cell phones
???? Unauthorized withdrawals from their bank accounts
???? Threatening letters or texts regarding overdue balances
❌ Difficulty canceling contracts or resolving billing errors
If you are experiencing any of these issues, you may be a victim of debt collection harassment—which is illegal under federal law.
What is Debt Collection Harassment?
Debt collection harassment happens when a lender or collector uses abusive, deceptive, or unfair tactics to collect a debt. If American First Finance is harassing you, they may be violating the:
✅ Fair Debt Collection Practices Act (FDCPA)
Under the FDCPA, American First Finance (or any third-party collector acting on their behalf) cannot:
Call you before 8 a.m. or after 9 p.m.
Use threats, insults, or abusive language
Call you at work if you’ve asked them not to
Contact friends, family, or your employer about your debt
Continue contacting you after you’ve requested in writing that they stop
✅ Telephone Consumer Protection Act (TCPA)
If American First Finance is using auto-dialers or robocalls to reach your cell phone without your consent, they may be violating the TCPA. You could be entitled to $500 to $1,500 per illegal call.
✅ Electronic Fund Transfer Act (EFTA)
If American First Finance is making unauthorized deductions from your bank account, this may be a violation of the EFTA. You have the right to dispute and reverse unauthorized payments.
What You Should Do
???? 1. Keep Records
Document all communications, phone numbers, voicemails, and transactions.
???? 2. Send a Written Request to Stop
A cease-and-desist letter can stop future contact. After receiving your request, they are only allowed to contact you once more to confirm or notify of legal action.
✉️ 3. Request Debt Validation
You have the right to request proof of the debt. They must stop collection efforts until they provide documentation.
???? 4. Report Violations
File complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and your state attorney general.
⚖️ 5. Seek Legal Help
You may be entitled to compensation for every violation. An experienced consumer protection attorney can help you assert your rights.
Let Us Help You Stop the Harassment
At ConsumerLawFirmCenter.com, our team of consumer rights advocates is here to help you:
Stop the phone calls and harassment
Fight back against illegal collection tactics
Recover compensation for damages and stress
???? Call us today or fill out our free case evaluation form to get started.