Are You Being Called By Diversified Credit Systems?*

Are you being called by Diversified Credit Systems?* Here’s what you need to know.

Many people are being chased by collection agencies for unpaid credit card bills, medical debt, and student loans. It’s a stressful situation that feels even worse when the collection agency you are dealing with acts in ways intended to stress or humiliate you into paying. If this happens to be the case, see a consumer attorney who can help you protect your rights.

Your Rights Under the FDCPA

In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA, which gave consumers the right to dispute a debt and made it illegal for third-party debt collectors to use methods like those below to collect a debt.

• Using profane and obscene language
• Threatening action they cannot legally take or have no intention of taking
• Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
• Using obscene or profane language
• Contacting you after you have formally requested that all communications cease
• Reporting false information to the credit bureaus

Company Profile: Diversified Credit Systems

If you are being called by Diversified Credit Systems, information about the company is below.

Diversified Credit Systems is a debt collection company located in Longview, Texas. It was established in 1999, has 20 to 49 employees, and is managed by owner Michael McGaughey. Civil litigation files digitized at the PACER (Public Access to Court Electronic Records) website confirm that people who felt they were being harassed by Diversified Credit Systems did not passively accept abusive behavior. Instead, they fought back.

Alleged Violations against Diversified Credit Systems

Plaintiff vs. Diversified Credit Systems*

According to PACER, in or around early 2009 Diversified Credit Systems started trying to collect a debt from a Texas resident. He later alleged that collectors threatened, among other things, to report the debt to the credit bureaus although he had paid it.

Feeling harassed by Diversified Credit Systems, The Plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

• Using false, deceptive, and misleading means to collect a debt
• Threatening to report the debt to the credit bureaus.

The matter was later dismissed.

Hire an Attorney

The phone numbers for this debt collection agency are as follows:

• 1-903-297-0600
• 1-800-256-3838

If either number appears on your caller ID when the phone rings, it means that you are being called by Diversified Credit Systems. If they threaten to destroy your credit if you don’t pay at once, contact a consumer attorney. If you file a claim against Diversified Credit Systems, you may be awarded $1,000 per FDCPA violation. When a debt collector tries to take advantage of you, fighting back can give them an expensive reality check.

*Case taken from PACER (www.pacer.gov). File number is Case 4:09-cv-02257 from the United States District Court for the Southern District of Texas, Houston Division.

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Diversified Credit Systems, or any other third-party collection agency, you may not be entitled to any compensation.