Congress passed the Fair Debt Collection Practices Act (FDCPA) in 1978 to protect the general public from unscrupulous debt collection practices and harassment. If you have debts that are past due, and you are being harassed by Commonwealth Financial System, you might be able to pursue a claim against the collection agency for violating the FDCPA. Through this claim, the court might award you compensation for the damages that you suffered.
Commonwealth Financial System
Commonwealth Financial System is located in Dickson City, Pennsylvania. It was founded in 2001 and purchased within the same year by Northeast Credit and Collections. They offer services such as third party collections, on-site collections, first party outsourcing, and credit bureau reporting. They are involved in the Mid-Atlantic Collectors Association and American Collectors Association.
The Better Business Bureau (BBB), whom Commonwealth Financial Systems is not an accredited company with, has received over 200 complaints about Commonwealth Financial Systems. They have been sued on multiple occasions for allegedly violating the FDCPA.
How Much is Frequently?
According to the FDCPA, “the frequency and persistence of noncompliance by the debt collector” is not allowed and is considered harassment. The exact number of calls that are considered harassment isn’t specified, but the more often you receive calls from the collection agency, the more likely you are to have success with your claim against them. You will need to document any calls received, so you can use that is evidence in court against Commonwealth Financial System.
If you were called at work by Commonwealth Financial System and you told them that you couldn’t accept personal calls at work, but they continued to call then the court would most likely consider that to be harassment and rule in your favor. If you ignored all calls from the debt collector and they continued to call you at work, you would not have a claim because they weren’t aware that you couldn’t accept calls at your place of employment.
Anytime you receive a call from Commonwealth Financial System you should make note of it, indicating the date and time of the call, the caller, and a summary of the conversation. The more documentation that you have, the more likely you are to have a successful claim against Commonwealth Financial System for violating the FDCPA.
Stop The Harassing Calls
If you are being harassed by Commonwealth Financial Systems, you will need to enlist the help of an FDCPA attorney who practices in your state so you can make sure you get your claim on track in a timely manner. An FDCPA lawyer will review the details of your case and determine if the FDCPA has been violated and the likelihood of success with your claim.
When you hire an FDCPA lawyer, you will not have to pay anything upfront because the attorney will work on a contingency basis. Complete the Free Case Evaluation form on this page to get your FDCPA claim against Commonwealth Financial System on track.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Commonwealth Financial Systems, or any other third-party collection agency, you may not be entitled to receive compensation.