Although the cost of living has gone up, salaries, in general, have not, which forces people to live from one paycheck to the next and can cause a financial crisis if you lose your job. Once your debts go into arrears, debt collectors will start calling, and not all of them will be pleasant to deal with.
Your Rights Under the FDCPA
If a debt collector is harassing you, they are breaking the law. The Fair Debt Collection Practices Act, or FDCPA, gives you the right to sue a collection agency if they attempt to bully or trick you into paying in the following ways:
- Yelling and using obscene language
- Threatening to drag you into court and take everything you have
- Calling you at inconvenient times and places
- Telling you that your credit is ruined forever
- Calling you at work when your employer does not allow such calls
- Refusing to validate the debt
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Company Profile: Carrington Mortgage Services
If you are being called by Carrington Mortgage Services, a brief company background is below:
Carrington Mortgage Services is a mortgage servicing company headquartered in Anaheim, California with branch offices throughout the U.S. It was founded in 2007, has 350 employees, and is managed by its President, Wesley Grant Iseley.
An inspection of litigation records at the PACER website confirms that consumers who believed they were being harassed by Carrington Mortgage Services chose to stand their ground.
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Alleged Violations against Carrington Mortgage Services
According to PACER, on or around April 9, 2015, a law firm retained by Carrington Mortgage Services sent a notice to a Texas couple confirming its intention to foreclose on a property they owned.
This communication was followed by a letter dated April 14, which encouraged them to explore mitigation options.
The couple was confused because the property had already been foreclosed upon and was due to be sold on May 5. When they requested validation of the debt, they allegedly received no response.
Feeling harassed by Carrington Mortgage Services, the consumers sued the company for failing to validate the best on request.
The court later ordered, adjudged, and decreed that the claims of plaintiffs against the defendant.
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Hire a Consumer Lawyer
The phone number for this collection agency is 1-800-561-4567. If you see it on your caller ID when the phone rings, it’s an indicator that Carrington Mortgage Services is trying to contact you. If they fail to validate a debt on request, don’t wait another minute.
Hire a consumer lawyer and file a claim against Carrington Mortgage Services. When a debt collector violates the FDCPA, it can be ordered to pay you $1,000 per violation, so keep your head up and act on your rights.
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Additional Resources
Case taken from PACER (pacer.gov). File number is Case 4:15-cv-00453-A from the United States District Court for the Northern District of Texas, Fort Worth 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 Carrington Mortgage Services, or any other third-party collection agency, you may not be entitled to any compensation.