This business is not BBB accredited.Additional Locations
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This business is a collection agency.
This business is not BBB accredited.
Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.
Reason for Rating
BBB rating is based on 13 factors. Get the details about the factors considered.
Factors that affect the rating for Niagara Restitution Service include:
- 32 complaint(s) filed against business
- Length of time business has taken to respond to complaint(s)
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||0|
|Total Closed Complaints||32|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||4|
Type of Entity
Business ManagementMr. Yamal Ramirez, Owner
Collection agencies are required to be licensed or bonded in many states in order to operate and contact consumers about outstanding debts. BBB has reached out to this business requesting that they provide proof of licensing and bonding required for operating everywhere they do business. The business was unable to provide the requested information. The business is currently in the process of obtaining licensing and bonding for all states in which they are operating. The business has assured the BBB that they will provided copies of each state's license and bond as they are received.
BBB wants to make consumers aware that they have legal rights when they are contacted by a collection agency. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive and harassing behavior by any debt or collection agency, this act is enforced by the Federal Trade Commission, FTC. The act states specific practices and rules under which debt collectors must abide by. There are penalties for agencies found breaking these laws. Collection agencies must not use crude or offensive language or identify themselves as anyone other the business name that they are contacting on behalf of. If a consumer believes a debt or collection agency has violated any of the FDCPA laws the BBB encourages them to file complaints with the BBB at www.bbb.org and Federal Trade Commission at www.ftc.gov.