Quick Analysis                         Consumer Comments Below

Ariel Financial Services, Inc. is a bottom-feeder, scavenger debt collector owned and operated by two Dallas area lawyers: Stephen Niermann & Andrew C. Olivo

They operate out of the same office as:

Niermann & Olivo
Attorneys and Counselors
1622 E. Beltline Rd., Suite 100
Carrollton, TX 75006

Their corporation reads as follows:
Grupo De Ariel, L.L.C. d/b/a Ariel Financial Services

Stephen Niermann has the big ego, has been known to put his foot in his mouth on numerous occasions. In my view, he appears to be SEVERELY lacking in FDCPA experience and protocol.

A legal term comes to mind when Ariel Financial Services and Niermann & Olivo's names come up:

Champerty: When a person agrees to finance someone else's lawsuit in exchange for a portion of the judicial award.

It appears lawyers N&O started Ariel for the purpose of buying seemingly worthless accounts at a fraction of their value. They bill unsuspecting consumers under Ariel Financial, then file suit as Niermann & Olivo, lawyers.

Ariel needs to be avoided, Niermann & Olivo's ability to litigate seems to suffer when they are faced with REAL lawyers that know the law who will not put up with their ignorance of the Fair Debt Collection Practices Act.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.    

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  Comments from consumer emails.  Messages edited for brevity.

Consumers said... Ariel Financial Services