How to Beat Aargon Agency Inc Debt Collection Attempts
Aargon Agency Inc is a legitimate debt collector, but they often violate consumer protection laws. You have powerful rights under the FDCPA to demand validation, dispute inaccurate debts, and stop harassment. If Aargon sues you, respond immediately to avoid default judgment and wage garnishment.
Respond to AargonAargon Agency Inc won’t stop calling about your debt. You can take a stand and beat them.
Overdue debt often lands in the hands of Aargon Agency Inc. They may call multiple times daily. They send endless emails and voicemails.
Sued by Aargon Agency Inc? Respond Before Your Deadline
You have just 14-30 days to answer Aargon's lawsuit before default judgment. Protect your wages and property with a proper legal response reviewed by attorneys.
Answer the LawsuitIgnoring them can hurt your credit score. An entry from Aargon on your credit report damages your ability to get loans. You may struggle to qualify for credit cards.
Despite 26 years in business, Aargon has numerous consumer complaints. Some collectors use illegal methods. Many consumers feel helpless against their tactics.
You have powerful protections. The Fair Trade Commission and Consumer Financial Protection Bureau stand behind you. You can beat Aargon Agency Inc.
Is Aargon Agency Inc Legitimate?
Aargon Agency Inc is a legitimate debt collection agency. They founded the company in February 1996.
The medium-sized company collects overdue debts for original creditors. They work across multiple industries. Banking, entertainment, real estate, medical, retail, and utilities all use their services.
Their headquarters sits in Las Vegas. They also operate offices in Florida, Colorado, Missouri, and Hawaii.
Contact Information:
Aargon Agency, Inc.
8668 W. Spring Mountain Road
Las Vegas, NV 89117
Phone: 702-220-7037
Website: https://www.aargon.com/
The Better Business Bureau accredited Aargon in 2011. They hold an A+ rating. However, their customer star rating scores just 1 out of 5.
BBB records show over 45 complaints. Google reviews rate them 1.8 stars from 159 reviews. The numbers tell a troubling story.
Common Complaints Against Aargon Agency Inc
Aargon Agency Inc violates the Fair Debt Collection Practices Act. Consumer complaints reveal illegal tactics.
Common violations include:
- Calling multiple times per day
- Calling before 8 am or after 9 pm
- Inflating the actual debt amount
- Refusing to validate debts after requests
- Using threats and lies
- Failing to remove paid debts from credit reports
One consumer paid his debt in full. Aargon never removed it from his credit report. They kept no payment record. Another collector later pursued the same debt.
Another consumer called for two months requesting an account number. Aargon employees refused to provide it. The debt remained on her credit report anyway.
You can report these violations to the FTC online. Call them at 877-382-4357. Submit complaints to the CFPB website or call 855-411-2372.
How to Deal With Aargon Agency Inc Collectors
Debt collectors assume you don’t know your rights. They use intimidation tactics. You have powerful options to fight back.
Gather Crucial Information
Debt collectors hate answering questions. Scammers often hang up when challenged. Legitimate collectors must address your concerns.
Demand full identification from the caller. Ask which creditor company they represent. Question the accuracy of the debt amount.
Request all information in writing. Email documentation works best. Written records protect you later.
Request Debt Validation
Debt validation reveals how serious Aargon is about collection. A proper debt validation notice must include specific details.
The validation notice should contain:
- Complete breakdown of the debt and total amount
- Original creditor information
- Statement giving you 30 days to dispute
- Statement explaining your right to request more information
You have 30 days to take action after receiving validation. After 30 days, the debt becomes automatically valid. Aargon can then add it to your credit report.
Dispute the Debt With Credit Bureaus
The Fair Credit Reporting Act protects your rights. You can dispute incomplete or incorrect information on your credit report.
Send a dispute letter to Equifax, Experian, and TransUnion. The bureaus must investigate your claim. They correct or remove inaccurate information.
If Aargon proves the debt is yours, collection efforts continue. The debt remains on your report for seven years.
Get Professional Help
Beating experienced debt collectors requires expertise. Our partner Solo provides the tools you need to respond legally and professionally.
Professional review ensures your response follows proper legal format. You get attorney-level protection without expensive fees.
What If Aargon Agency Inc Sues You?
A court Summons and Complaint means Aargon is suing you. You must respond immediately. Ignoring a lawsuit creates serious problems.
You have 14 to 30 days to respond. Response deadlines vary by state. Missing the deadline results in default judgment.
Default judgment gives Aargon powerful collection tools. They can garnish your wages. They can seize your property. They can place liens on your house.
Our partner Solo helps you file an Answer in all 50 states. An attorney reviews your response. They file it with the courts. They send a copy to Aargon’s attorney.
Your Rights Against Aargon Agency Inc
The FDCPA gives you strong protections against abusive collectors. Aargon must follow strict rules when contacting you.
You can demand they stop calling. Send a cease and desist letter. They must communicate only through mail afterward.
You can sue Aargon for FDCPA violations. Successful claims can win you up to $1,000. You may recover actual damages. Courts can order Aargon to pay your attorney fees.
Document every interaction with Aargon. Save voicemails and emails. Record call dates and times. Evidence strengthens your case.
Settlement Options With Aargon Agency Inc
Settling debt with Aargon can save you money. Collectors often accept less than the full amount.
Start by offering 30-50% of the total debt. Aargon may counter with a higher amount. Negotiate until you reach agreement.
Get all settlement terms in writing before paying. The agreement should state Aargon will mark the debt as paid. They must remove it from your credit report.
Never give Aargon direct access to your bank account. Pay with a cashier’s check or money order. Keep copies of all payment records.
Protecting Your Credit From Aargon Agency Inc
Aargon’s collection account damages your credit score. The negative mark stays for seven years from the original delinquency date.
You can negotiate a pay-for-delete agreement. Aargon removes the collection entry when you pay. Get this agreement in writing first.
Not all collectors agree to pay-for-delete. Aargon may refuse this option. The collection entry remains even after payment.
Building positive credit history offsets collection damage. Our partner Kikoff helps you rebuild your credit score. Small positive actions add up over time.