Most of us owe money to credit cards and similar accounts, and creditors are usually happy to accommodate us. If we are laid off, however and miss a certain number of payments, they will likely submit the accounts to a third-party collection agency, some of whom can be ruthless while collecting.
Your Rights Under the FDCPA
Debt collectors can be unbelievably persistent when trying to get your money, but never forget that you have rights no matter how much you allegedly owe. The Fair Debt Collection Practices Act, or FDCPA, penalizes agencies that use collection methods like the following:
- Using profane and obscene language
- Adding illegal service fees to the original debt
- Calling before 8:00 a.m. and after 9:00 p.m., in your time zone
- Failing or refusing to identify themselves as debt collectors in every communication
- Using the telephone to harass you with constant calls
- Failing or refusing to report a debt as disputed to the credit bureaus
Company Profile: 4 Star Resolution, LLC
If you are being called by 4 Star Resolution, LLC, an agency overview is below.
4 Star Resolution, LLC, which also does business as Four Star Revenue Management, is a collection agency in Buffalo, New York. It was founded in 2009, has fewer than 10 employees, and is managed by its President, Ron Williams.
Records at the PACER website indicate that consumers who believed that they were being harassed by 4 Star Resolution, LLC demanded compensation in court.
Alleged Violations against 4 Star Resolution, LLC
According to PACER, in or around March 2013, 4 Star Resolution, LLC began calling a Colorado consumer to collect a debt. She complained that collectors, who referred to her by her maiden name, told her that they wanted payment for a “bad check” she had written in 2007.
On April 2, one caller allegedly threatened her with legal action if the alleged debt was not paid within 48 hours and stated that she would go to jail if the debt was not paid.
Feeling harassed by 4 Star Resolution, LLC, the consumer retained an attorney and sued the agency for allegedly:
- Using false, deceptive, and misleading means
- Using harassing and abusive means to collect a debt
The court awarded the consumer $1,500 in damages.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If any of them flash on your caller ID at any time, it means that you are being called by 4 Star Resolution, LLC. If they threaten you with legal action or claim that you can go to prison for not paying a debt, protect yourself by hiring a consumer lawyer and filing a claim against 4 Star Resolution, LLC.
The court could award you $1,000 per violation plus your attorney fees, so never let a rogue debt collector frighten you into compliance.
Case taken from PACER (pacer.gov). File number is Case 1:13-cv-01185-CMA-MJW from the United States District Court for the District of Colorado.
*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 4 Star Resolution, LLC or any other third-party collection agency, you may not be entitled to any compensation.