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Thank You for Your Service: How One Company Sues Soldiers Worldwide

July 26, 2014 in Blogs

By Paul Kiel, ProPublica

This company sues service members based anywhere in the world, no matter how much inconvenience or expense they incur.


Army Spc. Angel Aguirre needed a washer and dryer.

Money was tight, and neither Aguirre, 21, nor his wife had much credit history as they settled into life at Fort Carson in Colorado in 2010.

That's when he saw an ad for USA Discounters, guaranteeing loan approval for service members. In military newspapers and magazines, on the radio, and on TV, the Virginia-based company's ads shout, “NO CREDIT? NEED CREDIT? NO PROBLEM!” The store was only a few miles from Fort Carson.

“We ended up getting a computer, a TV, a ring, and a washer and dryer,” Aguirre said. “The only thing I really wanted was a washer and dryer.”

Aguirre later learned that USA Discounters' easy lending has a flip side. Should customers fall behind, the company transforms into an efficient collection operation. And this part of its business takes place not where customers bought their appliances, but in two local courthouses just a short drive from the company's Virginia Beach headquarters.

From there, USA Discounters files lawsuits against service members based anywhere in the world, no matter how much inconvenience or expense they would incur to attend a Virginia court date. Since 2006, the company has filed more than 13,470 suits and almost always wins, records show.

“They're basically ruthless,” said Army Staff Sgt. David Ray, who was sued in Virginia while based in Germany over purchases he made at a store in Georgia.

Timothy Dorsey, vice president of USA Discounters, said the company provides credit to service members who would not otherwise qualify and sues only after other attempts to resolve debts have failed.

As for the company's choice of court, he said it was “for the customer's benefit.” In Virginia, the company isn't required to use a lawyer to file suit. USA Discounters' savings on legal fees are passed on to the customer, he said.

“This company is committed to ensuring that the men and women who serve and sacrifice for our country are always treated with the honor and respect they deserve,” Dorsey …read more

Source: ALTERNET

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