Debt Collection DefenseSued by Atlantic Credit & Finance, Inc.?

Atlantic Credit & Finance, Inc. is a debt buyer and is notorious for purchasing old credit card debt from financial institutions like Citibank. Our lawyers help people fight debt collection matters with debt buyers like Atlantic Credit & Finance.

Have you received notice of a lawsuit or judgment? Are you facing a wage garnishment or bank restraint?

You might be confused as to who Atlantic Credit & Finance is why they are pursuing you. There's a good chance that the debt they are collecting is in relation to a balance due on a defaulted credit card debt. With the help of our attorneys, we may be able to negotiate a reduction to the debt, or possibly fight the debt and have it dismissed entirely.


Our Lawyers Fight & Settle with Atlantic Credit & Finance Inc.

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Background Information

Atlantic Credit & Finance, Inc. was created in 1996 in Roanoke, Virginia. They are known for purchasing distressed and defaulted debt from credit card servicers. They also operate under the pseudonym Atlantic Credit & Finance III, Inc. Their address is 3353 Orange Avenue, Roanoke, VA 24012. They can also be emailed at info@atlanticcreditfinance.com. Atlantic Credit is also a member of the Association of Credit and Collection Professionals.

Additionally, Atlantic Credit has two subsidiaries that it transfers debt to and operates as. Those are named Atlantic Credit & Finance Special Finance Unit, LLC and Atlantic Credit & Finance Special Finance Unit III, LLC.

Atlantic Credit & Finance does not have a better business rating with the Better Business Bureau (BBB). They have had 11 complaints brought against them in the last 12 months with the bureau, and 19 complaints in the last 3 years. Additionally, Atlantic Credit & Finance, Inc. has had 67 complaints brought against them with the Federal Consumer Financial Protection Bureau (CFPB).

Recently Atlantic Credit & Finance was purchased by Encore Capital Group, an internationally known debt purchasing company.

Cases Brought against Atlantic Credit & Finance, Inc.

In Ruby v. Atlantic Credit & Finance, Inc., 327 P.3d 1053 (KS 2014), a class action lawsuit was brought against Atlantic Credit & Finance in Kansas for violations of Kansas debt collections laws including failing to obtain the proper license to collect from the state.

In Skoczylas v. Atlantic Credit & Finance, Inc., 2002 WL 55298 (E.D.Penn 2002), a federal action was brought against Atlantic Credit & Finance, Inc. for violations of the Fair Debt Practices Act, the Pennsylvania Consumer Protection and the Unfair Trade Practices Act, and the Fair Credit Extension Act.

Cases Represented by the Law Office of Simon Goldenberg, PLLC

In Atlantic Credit & Finance Special Finance Unit III, LLC A/P/O Citibank, N.A. v. B.S., Forster & Garbus, LLP on behalf of Atlantic Credit & Finance, brought a lawsuit against our client for an old credit card debt in the amount of $9,500. After representation by our office, the client settled with Atlantic Credit for $3,000.

List of Credit Card Servicers that Atlantic Credit & Finance, Inc. purchases debt from:

  • MBNA AMERICA
  • HOUSEHOLD CREDIT SERVICES
  • BANK ONE
  • MBNA BANK
  • DISCOVER CARD
  • FIRST USA BANK NA
  • METRIS/DIRECT BANK
  • METRIS/DIRECT MERCHANTS
  • CHASE BANK
  • Citibank
  • SYNCHRONY BANK
  • GE CAPITAL RETAIL BANK
  • HSBC-HOUSEHOLD FINANCE

List of Law Firms that generally represent Atlantic Credit & Finance, Inc.

Our law firm has seen that the collection lawyers at Forster & Garbus, LLP and Lacy Katzen, LLP oftentimes are retained by Atlantic Credit & Finance to collect their debts by bringing lawsuits against people in New York.

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New York Debt Collection Defense Attorney

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New York Debt Collection Defense Attorney
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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.