866-357-7522

WHO IS THIS

Debt Colector/ medical

Creditor Advocates Inc.
Address: 14551 Judicial Rd #101, Burnsville, MN 55306
Phone:(952) 657-5930

References this number in voicemail:  866-357-7522

medical debt collector

Robo system that leaves an unidentified message which is illegal in Minnesota when making debt collection calls. The recording starts in mid-stream on their message, very unprofessional company.

CREDITOR ADVOCATES INC. AKA ADVANCE COLLECTION SERVICES, INC.
Posted in:  https://800notes.com/Phone.aspx/1-952-666-1087
https://800notes.com/Phone.aspx/1-866-357-7522

Web site lists them in Minnesota:  http://www.creditoradvocates.com/
BBB gives them an A+ with 1 complaint:  http://www.bbb.org/minnesota/business-reviews ... lle-mn-96177628
 Picture of one of the head criminals:  http://www.401klatte.com/uncategorized/john-b ... arch-19th-2012/
Picture of the head criminal on his LinkedIn page:  https://www.linkedin.com/in/steve-juve-13207745
LinkedIn Pages:  https://www.linkedin.com/in/john-brown-59964048
https://www.linkedin.com/pub/dir/Todd/Musgjerd
Minnesota Dept. of State info:
Minnesota Business Name
Creditor Advocates Inc.
Business Type
Business Corporation (Domestic)
MN Statute
302A
File Number
3867400-2
Home Jurisdiction
Minnesota
Filing Date
06/04/2010
Status
Active / In Good Standing
Renewal Due Date
12/31/2016
Registered Office Address
1551 Southcross Drv W #C
Burnsville, MN 55306
USA
Number of Shares
1,000
Registered Agent(s)
(Optional) None provided
Chief Executive Officer
Steve Juve
17261 Wilderness Trail SE
Prior Lake, MN 55372
USA
Principal Executive Office Address
1551 Southcross Drive W
Suite C
Burnsville, MN 55306
USA

Minnesota Dept. of Commerce info:

State     Minnesota
Board     Debt
Inquiry Date     01/09/2016 10:09 AM
Creditor Advocates Inc.

Business Location Address 1551 Southcross Drive
Suite C
Burnsville, Minnesota 55306

Business Phone Number 952-381-1352

Fax Phone Number

Licenses
Collection Agency
License Number     Original Issue Date     Status     Effective Date     Expiration Date
40210734     07-02-2010     Active     07-02-2010     06-30-2016

Aliases
Doing Business As
Name:    Effective Date    End Date    License Type
Advance Collection Services    06-23-2010    08-05-2011
Individual Associations
Displaying records 1 through 11 of 11

Full Name    License Number    License Type
Ballard , Rachelle
40424237     Debt Collector
Brown , Harrison
40210799     Debt Collector
Cook , Kathy
40381292     Debt Collector
Haug , Kristi
40380537     Debt Collector
Juve , Steven
20610162     Debt Collector
Musgjerd , Todd
20047754     Debt Collector
NELSON , JUDY
40094625     Debt Collector
Nightengale Moore , Lisa
40330814     Debt Collector
Olson , Amber
40184105     Debt Collector
Pollard , Robin
40403950     Debt Collector
St Aoro , Rebecca
40417737     Debt Collector

Other complaints:
https://rateit.org/company/creditor-advocates-inc/\
https://www.bankrank.org/banks/creditor-advocates-inc
http://www.bankencyclopedia.com/Creditor-Advocates-Inc.html
Looks like they were sued:
https://www.pacermonitor.com/public/case/6561 ... _Advocates,_Inc
http://www.law360.com/cases/56030b92722afb6b95000001
http://www.law360.com/cases/51a8ebfb82e25e1dca000001
http://www.law360.com/cases/56030b92722afb6b95000001
https://www.pacermonitor.com/public/case/6845 ... _Advocates,_Inc
https://www.pacermonitor.com/public/case/7756 ... _Advocates,_Inc
https://dockets.justia.com/docket/puerto-rico/prdce/3:2011cv02084/90730

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php
Also file here:  Minnesota:  http://mn.gov/commerce/consumers/file-a-complaint/file-a-complaint/

No message, just a phone call.