How to Respond to Trident Asset Management Collection Calls

Trident Asset Management contacts you relentlessly about unpaid debt. The calls drain your mental energy and disrupt your day. Knowing how to respond protects your rights and stops the harassment.

Trident Asset Management uses aggressive tactics to collect outstanding debts. They add debts to your credit report and file lawsuits when necessary. You need to respond quickly to avoid serious consequences.

Our partner Solo helps you respond to Trident Asset Management effectively. You can send a Debt Validation Letter or negotiate a settlement.

Who Is Trident Asset Management?

Trident Asset Management is a third-party debt collection agency based in Alpharetta, Georgia. Founded in 2007, TAM collects money from consumers who miss payments.

TAM buys debts for pennies on the dollar from original creditors. They work with clients in medical, automobile, telecommunications, utilities, education, and banking sectors.

Types of Debts TAM Collects

Trident Asset Management manages both secured and unsecured debts. Secured debts include mortgages, auto loans, and home equity loans. Unsecured debts include medical bills, credit card debt, student loans, and personal loans.

TAM also handles revolving debt and installment debt. Revolving debt gives you an open line of credit you can use repeatedly. Installment debt involves borrowing a fixed amount for a specific period.

Consumer Reviews and Complaints

Trident Asset Management has poor ratings across multiple platforms. The BBB gives them a 1-star rating, WalletHub shows 2.3 stars, and Google Reviews lists 1.5 stars.

The Consumer Financial Protection Bureau records over 1,000 complaints against Trident Asset Management. Most complaints claim TAM reports inaccurate information to credit bureaus and treats consumers unfairly.

One Google reviewer states: “TAM reports fraudulently obtained information to get you to pay them for money that is not owed, for small amounts, hoping you will just pay them to have it removed from your credit file.”

How to Stop Multiple Daily Calls

TAM calls interrupt your daily life with repeated robocalls and aggressive agents. A Debt Validation Letter stops these calls legally. The letter requires TAM to verify the debt before continuing collection efforts.

TAM must stop calling until they provide debt verification. You have 30 days to dispute the debt if the information is inaccurate. You can also negotiate a settlement to resolve the debt for less.

Send a Debt Validation Letter

A Debt Validation Letter forces TAM to prove you owe the debt. The Fair Debt Collection Practices Act gives you this right. TAM cannot continue collection activities until they validate the debt.

Our partner Solo provides templates to create your Debt Validation Letter quickly. You protect your rights and gain time to evaluate your options.

Your Consumer Rights Under FDCPA

The Fair Debt Collection Practices Act protects you from harassment and abuse. Trident Asset Management must follow strict guidelines when collecting debts from you.

TAM cannot:

• Discuss your debt with friends, family, or colleagues
• Call you dozens of times daily about the same debt
• Contact your workplace after you request they stop
• Threaten to confiscate important documents for immediate payment
• Use profanity or abusive language during calls

Report FDCPA Violations

Submit complaints to the Federal Trade Commission if TAM violates your rights. You can also file complaints with the Better Business Bureau and Consumer Financial Protection Bureau. Contact your state attorney general’s office as well.

How to Respond to a TAM Lawsuit

Trident Asset Management files lawsuits when other collection methods fail. They have attorneys ready to argue cases against consumers. A court judgment allows TAM to garnish your wages, place liens on property, or access bank accounts.

You must respond to the Summons and Complaint with an Answer document. The Answer lets you admit or deny each allegation TAM makes against you.

Write Your Answer Document

Your Answer includes affirmative defenses that explain why you should not pay. Valid defenses force TAM to withdraw the case or offer a settlement. You need to file your Answer before the court deadline.

Our partner Solo provides Answer templates to help you respond properly. An attorney can review your document and suggest improvements to strengthen your case.

Settle Your Debt With TAM

Settlement negotiations resolve your debt for less than the full amount. TAM often accepts settlement offers because they purchased the debt cheaply. You can negotiate before or after a lawsuit is filed.

Settlement agreements stop collection calls and prevent wage garnishment. You pay a lump sum or structured payments based on your budget. The agreement removes the debt from your credit report after payment.

Use Professional Settlement Tools

Professional settlement tools handle negotiations with TAM on your behalf. You make an offer based on what you can afford. The tool manages all communication and paperwork securely.

Your financial information stays protected throughout the process. TAM agents cannot access your personal details. You reach a settlement agreement faster with professional assistance.

Contact Information for Trident Asset Management

Trident Asset Management’s mailing address is P.O. Box 888424, Atlanta GA 30356. Their physical address is 10375 Old Alabama Rd, Alpharetta, GA 30022.

You can reach TAM at 866-695-8893. Their operation hours are 8:30 a.m. to 5 p.m. EST on weekdays.

TAM operates in all 50 states from their Georgia headquarters. Complaints against Trident Asset Management have been filed in nearly every state.