BBB Business Review

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This business is not BBB accredited.

Niagara Restitution Service

Additional Locations

Phone: (716) 247-6272 Fax: (716) 524-4376 View Additional Phone Numbers 4246 Ridge Lea Rd Ste 47, Amherst, NY 14226 View Additional Email Addresses

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This business is a collection agency.

BBB Accreditation

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

32 complaints closed with BBB in last 3 years | 16 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 1
Billing/Collection Issues 31
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 32

Customer Reviews Summary Read customer reviews

4 Customer Reviews on Niagara Restitution Service
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 3
Total Customer Reviews 4

Additional Information

BBB file opened: May 05, 2011 Business started: 10/29/2010 in NY Business started locally: 10/29/2010 Business incorporated 08/30/2010 in NY
Type of Entity


Business Management
Mr. Yamal Ramirez, Owner
Contact Information
Principal: Mr. Yamal Ramirez, Owner
Business Category


Additional Information

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 and Federal Trade Commission at

Industry Tips
Debt Collection

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.