The Consumer Sentinel, which collects complaint information from both consumer watchdog groups and law enforcement agencies, says that one-quarter of the complaints it receives each year involve debt collectors.
Collection agencies have a wide range of legal tactics they can use to collect money, but they often use bullying and harassing pressure tactics to get paid.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that penalizes debt collectors who take their collection tactics too far. If you are subjected to abuses like those below, see a consumer lawyer about protecting your rights.
- Using profane and obscene language on the phone or in voicemails
- Contacting you directly when they know that you have an attorney
- Saying that they will file a lawsuit that day if you don’t pay
- Trying to collect when you refuse to pay
- Calling you at work when they know that your boss doesn’t allow such calls
- Demanding payment for a time-barred debt
Company Profile: 21st Mortgage Corporation
If you are being called by 21st Mortgage Corporation, here are some additional details about the agency:
21st Mortgage Corporation is a mortgage lender and debt collection agency located in Knoxville, Tennessee. It opened for business in 1995, has 600 employees, and is managed by its President, Tim Williams. According to the company website, it buys home and land loans in bulk.
Litigation files at the PACER website indicate that consumers who believed they were being harassed by 21st Mortgage Corporation refused to be intimidated.
Alleged Violations against 21st Mortgage Corporation
According to PACER, on November 24, 2014, 21st Mortgage Corporation sent a letter to an Illinois consumer demanding payment for a mortgage debt. The consumer had filed a Chapter 7 bankruptcy in 2011 and included that debt, but the phone calls, letters, and emails from the company allegedly continued.
Feeling harassed by 21st Mortgage Corporation, he hired a consumer lawyer and sued the company for allegedly:
- Trying to collect a discharged debt
- Contacting him directly when he was represented by an attorney regarding the debt
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Misrepresenting the character, amount, or legal status of the debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for 21st Mortgage Corporation are:
Seeing any of these numbers on your caller ID is confirmation that you are being called by 21st Mortgage Corporation. If they chase you to pay a debt discharged in an earlier bankruptcy, hire a consumer lawyer and file a claim against 21st Mortgage Corporation.
The FDCPA mandates a statutory penalty of $1,000 per violation, so harassing you could turn out to be an expensive mistake.
Case taken from PACER (pacer.gov). File number is Case: 3:15-cv-50082 from the United States District Court for the Northern District of Illinois, Western 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 21st Mortgage Corporation, or any other third-party collection agency, you may not be entitled to any compensation.