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Court orders against 13 related corporate and individual defendants involved in a Georgia-based debt collection operation bring to mind the 1980s chart-topping group from Australia, Crowded House. That’s because now that Advanced Mediation Group’s enterprise has been shuttered, the FTC’s “house” of individuals and corporations banned for life from the debt collection industry just got a little more crowded.

According to the FTC, one of the defendants’ signature tactics was to falsely accuse consumers of a crime, leaving them with the impression that arrest and imprisonment were imminent. The defendants would threaten that a “uniformed officer” was heading toward the person’s home or workplace or that they would be served with court documents unless they paid up immediately.

What made matters even worse is that in many instances, the browbeaten consumers didn’t owe the defendants any money in the first place.

When consumers questioned the validity of the debt or attempted to assert their legal rights, the FTC says the defendants ratcheted up the rancor. For example, according to the defendants’ written scripts, some consumers were told they’d get relevant documents at their “180/80 hearing,” a reference to the preliminary stage of a New York state felony prosecution. The defendants even had a comeback for people who reported that the debt was the result of identity theft. According to the FTC, the defendants gave the consumer 24 hours to pay or else their account would be filed as a “willful invasion.”

In addition to FTC Act violations, the complaint charged the defendants with multiple violations of the Fair Debt Collection Practices Act. Specifically, the FTC says the defendants made misrepresentations to consumers about purported debts, falsely threatened that non-payment would result in arrest or imprisonment, illegally told third parties about those so-called debts, and failed to give consumers notices the law requires – all conduct that violates the FDCPA.

The FTC obtained settlements from Lamar Snow, Jahaan McDuffie, Glentis Wallace, Global Processing Solutions, LLC, Intrinsic Solutions, LLC, Diverse Financial Enterprises, Inc., North Center Collections, Inc., Capital Security Investments, LLC, and American Credit Adjusters, LLC. A default judgment also was entered against Advanced Mediation Group, LLC, Apex National Services, LLC, Mirage Distribution, LLC, and Mitchell & Maxwell, LLC. The orders include a financial judgment of $3.46 million, which will be partially suspended with respect to the settling defendants when they turn over real estate holdings and the proceeds of multiple bank accounts. Another key part of the orders is that those 13 defendants have been banned for life from the debt collection industry.

Which brings us back to Crowded House. When these defendants “move in” to the FTC Home for Banned Debt Collectors, it will bring the total occupancy up to 177 individuals and corporations permanently ousted from the industry as a result of FTC law enforcement.


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G Chops
September 07, 2018
They still get away with millions! People has still lost their money, many of them put it on their credit cards. Make these people pay back every cent,including interest and penalties, if it takes the rest of their lives!
Abdi Abdullahi Ibro
September 07, 2018
September 07, 2018
These predators some of the worst of humanity with no conscience. Thank God that finally they are being prosecuted for THEIR crimes. I will do whatever I can to vote for and make sure that this continues and that all these disgusting individuals are legally prosecuted to the full extent of the law.
Judy Weismonger
September 09, 2018
This is terrific that these criminals were ousted from business but what stops them from creating another LLC or another company and doing the same thing over again?
September 09, 2018
Thank you for all this. Unfortunately, these 13 offenders, will just file for bankruptcy, create 13 new names & be right back at it :-(
Dana Loewy
April 02, 2019
It's bandwagon, not banned wagon! Please correct the error.
June 01, 2019
A couple of months ago my son and daughter in law got a call from someone about me saying that if whatever it was wasn't paid I was going to be arrested. It was an obvious fake. I wish they made it easier to obtain the information one needs to prove you don't owe the debt, or that it has passed the statute of limitations for one's state. They have all the information but the person who's debt it may or may not be has a hassle to find that information! Especially when the creditors sell the debts for pennies on the dollar, then even the collection agencies will turn around and do the same thing. Then change the date it was turned over, or after the certain time after no payments were made date, and put it as the new date that the new agency received the debt and put it in their "collection." Intimidation is the name of their game. Just my opinion..
FTC Staff
June 03, 2019

In reply to by RINGOIS

You have rights when you deal with a debt collector. A collector has to send you a written “validation notice” within five days of the time he first contacts you. The notice has to say:

  • how much money you owe
  • the name of the creditor you owe it to
  • what to do if you don’t think it’s your debt.

A fake debt collector might contact you. He might have some of your personal information, and ask you to pay a debt you don't think is yours, or pay a debt he is not entitled to collect. If you think a caller might be a fake, ask the caller for his name, company, street address, and telephone number. Tell the caller you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.

Tonya Oldham
October 29, 2019

In reply to by FTC Staff

What about the debt collectors that meet you at the courthouse and show you a huge file with all your medical records including diagnosis, medication prescribed, and the procedure that was done not only for the one debt but everything done at that specific hospital? I asked for a copy of this and have a witness that was with me and she refused to provide a copy of what she just showed me. I cannot get a straight answer from anyone about this but to my knowledge the debt collectors are not supposed to have HIPAA protected information and are only supposed to be provided with the account #, the person/facility that says you owe and the amount. Is this correct? This same company was sued for $244,000.00 for pretending to be an attorney but the actual attorney had not reviewed the case at all. Any information about the legality of my medical records, all of them, not only being sold for pennies but also the denied request for copies of the the info as well as her carrying my & several other people's medical records around like that with no authority to do so.
June 01, 2019
Oh, and I nearly forgot, on the call "I" got, they gave me more than 24 hours, I got 48. I'm guessing that was because they didn't contact me. Instead they contacted my son in order to find out how to contact my daughter in law, who was supposedly my emergency contact BEFORE my son and my mother! They weren't interested in talking to him. They wanted to contact her about me. I would never have put her as a contact ahead of my son and my mother.

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