Atlantic Credit and Finance is one of the largest Junk Debt Buyers that operate in Pennsylvania.  A junk debt buyer is a company, often a collection agency, that purchases allegedly delinquent accounts from banks, credit card companies, and other institutions that extend credit.  They purchase these accounts in bulk, often for mere pennies on the dollar.  Our estimation is that they average around 3 cents per dollar on a purchase. 

Atlantic Credit, in my estimation, files about 50 or so lawsuits per week across PA.  Although they use other law firms, for the most part they use David Apothaker and Associates, a New Jersey law firm, to handle their PA collection matters.  In my experience, Attorney Apothaker’s office has been very cordial to deal with. 

Atlantic Credit typically makes oral or written attempts to collect on these cases before filing a lawsuit.  If you receive a phone call or letter from Atlantic Credit or their attorney, please contact my office right away for a free consultation.  I can explain the process to you and guide you along the way.  I would almost never recommend a negotiation on the claim at this point as it is definitely NOT in your best interests.

Eventually, a lawsuit will come.  Believe it or not, you actually want Atlantic to sue you.  The lawsuits generally are easily defended (though we don’t win every case, we do have an extremely high success rate) and will allow you to move forward with the restoration of your credit. 

Call our office at 412-823-8003 or 1-888-536-6644 for a free, no obligation consultation on your Atlantic Credit matter.