About Credit Smart, LLC.
Summary of Credit Smart, LLC.
Credit Smart, LLC. is a debt collection agency that was founded in 2009 and is located in Huntington Station, New York. Credit Smart provides debt collection services such as: Credit Reporting; Telephone, written and faxed demand payment notices; and skip tracing to a wide range of industries including: Education; Government; Healthcare; Insurance; Utilities; Financial Services; Telecommunications; and Commercial. The company is owned by Anthony Picone, Barry Calvagna and Lauren Picone.
Stop the Harassment Now
If you are being harassed by a debt collection agency or feel you may have been violated in any way, contact our office by completing the form or calling us at (800) 444-8731 and one of our specialists will immediately review your case free of charge, determine if the debt collection agency has violated the FDCPA, and if they that point on Credit Smart, LLC. will be legally prohibited to communicate with you directly and will have to communicate directly with your attorney.
How Agencies Profit From You
Most Debt Collection agencies operate on a contingency basis, which means that they do not get paid by their client unless and until they collect from the consumer. If and when the agency receives monies from a consumer, the agency then gives their client a pre-determined percentage of the monies recovered. The remainder belongs to the agency.
Oftentimes, debt collection agencies buy these debts for just pennies on the dollar. The debt collector is free to seek as much money from the consumer as they can regardless of what they paid to buy the debt. This amounts to large profit margins for them.
Typically, employees of debt collection agencies are motivated with performance-based bonuses determined by the amount of money they are able to collect from a consumer.
Regardless of what specific methods a debt collection agency uses in their attempts to collect a debt, it is clear that the agency is in the business of making money first and foremost. And that money comes from you – the consumer. Hopefully, you now have a better understanding as to why collection agencies use such aggressive behavior in their interaction with consumers.
Consumers around the globe have long complained about the unfair and often unethical tactics used by debt collection agencies and thus, the FDCPA - a federal law meant for the protection of consumers. It encompasses a set of rules governing the activities of collection agencies.
Know Your Rights
The FDCPA was placed into practice in 1978, the FDCPA or the Fair Debt Collection Practices Act is a federal law designed to protect the rights of the consumer from abusive and unfair debt collecting practices. The law regulates what collection agencies can or cannot do when collecting a personal debt from a consumer. It defines strict guidelines under which collection agencies must abide by when conducting business including who the collection agency may contact, where they may call, and how often or what times, In addition The Fair Credit Reporting Act, also known as the FCRA, was placed into effect in 1970. This federal law enforces and regulates the collection, distribution, and usage of consumer information. The law ensures that companies and businesses report accurate information about their consumers to Credit Bureaus which can be used for credit evaluation and certain other purposes such as employment. Consumers are violated on a daily basis without them even being aware that they have been violated or what they’re rights are. Our legal team at Fredrick Schulman and Associates are fully versed in the FDCPA and FCRA and are committed to keeping debt collectors inline and holding debt collectors accountable for any violations made against you the consumers, rights.
Credit Smart, LLC. has not been accredited by the Better Business Bureau and has received an F rating from them. There have been 69 complaints filed by consumers against the company in the past 3 years, 51 of those complaints were filed in the past 12 months. Credit Smart failed to respond of 64 of the complaints filed against them.
Consumers across the internet seem to be extremely unhappy with the company and state that the company is a “bottom feeder collecting on time barred debts”, has no bond or license found anywhere and that the collectors threaten legal action. Consumers complained they and family members have been harassed with numerous phone calls as well as threatened with legal threats, summons to court, arrest warrants etc., by the collectors of Credit Smart, LLC.
Contact InformationCredit Smart, LLC.273 Walt Whitman Road. Suite 310Huntington Station, NY 11746631-755-3060877-230-1901
Notice to Readers
The Details on this web page is created using many public off-line and online resources, such as collection agency web sites, BBB information, regulating organization reviews and sites, and information available through court filings. It neither is nor is designed to be the full or complete information of any organization's company. To the level any part of the web page is non-factual in characteristics, it comprises our viewpoint only. We ask that you not depend on any information here in determining whether or not to do business with any company described on this web page. Nothing here comprises or is designed to comprise legal advice. If any audience or individual of this web page has a question about specific resources for any information used here, simply just simply fill out the form and we will get back to you.