Once you miss a certain number of debt payments, eventually a collection agency will either be hired by your creditors or buy the debt and attempt to collect it themselves.
While contacting you to discuss payment is legal, harassing you is not. Read on to learn more about your rights as an indebted consumer.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA) to stop abusive behavior on the part of third-party collection agencies. Under the FDCPA, any company that uses collection actions like those below risks significant sanctions.
- Using profane or obscene language
- Telling you that you can be arrested for not paying your debts
- Calling you at inconvenient times and places, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you at work if they know what such calls are not allowed
- Telling your friends, neighbors, and co-workers that you owe money
- Failing or refusing to identify themselves as debt collectors trying to collect a debt
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Company Profile: Direct Asset Management of Royalton
If you are being called by Direct Asset Management of Royalton, an agency overview is below.
Direct Asset Management of Royalton is an auction house collection agency in Royalton, Minnesota. It was founded in 2008, has fewer than 10 employees, and is managed by its owner Dave Van Hale. Records at the PACER website indicate that consumers who believed that they were being harassed by Direct Asset Management of Royalton demanded compensation in court.
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Alleged Violations against Direct Asset Management of Royalton
According to PACER, on or around January 24, 2016, Direct Asset Management of Royalton attempted to collect a debt from a Minnesota consumer by repossessing her vehicle. The collector informed her that she was “$900.00 behind on her payments.”
The consumer exclaimed, “No you cannot take my car, this can’t be right, I have receipts showing all of my recent payments!” The collector allegedly responded that her receipts meant nothing to him and that he was there to take the vehicle regardless of whether she had receipts or documents providing evidence of recent payment. He then proceeded to take the car.
Feeling harassed by Direct Asset Management of Royalton, the consumer retained an attorney and sued the agency for allegedly using unfair and unconscionable means to collect a debt.
The matter was later settled.
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Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-320-584-7463. If yu see it on your caller ID when the phone rings, it means that you are being called by Direct Asset Management of Royalton.
If they collect your debt in ways that violate state law and the FDCPA, hire a consumer lawyer and file a claim against Direct Asset Management of Royalton. The court could award you $1,000 per violation, so don’t let shame or intimidation stop you from taking a stand.
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Additional Resources
Case taken from PACER (pacer.gov). File number is CASE 0:16-cv-00485-WMW-LIB from the United States District Court for the District of Minnesota.
*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 Direct Asset Management of Royalton or any other third-party collection agency, you may not be entitled to any compensation.