When you’ve lost your job or been forced to go on workers’ compensation due to, keeping up with your debt payments can be impossible. When you’re no longer able to make the minimum payments, it’s likely that a debt collector will soon be assigned to your outstanding accounts.
If this happens, it is important to know your rights as a consumer, no matter what a debt collector may try to tell you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from harassment on the part of third-party collection agencies. Outrageous conduct like the examples below is illegal and can cause professional and financial difficulty for the agency.
- Using profane and obscene language
- Threatening to send the sheriff to your workplace to arrest you
- Pretending to be attorneys, police officers, or federal agents
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Contacting you after you have sent a cease and desist letter
- Insisting that you pay a debt that is not yours
Company Profile: 4M Collections, LLC
If you are being called by 4M Collections, LLC, more information about the company is available below.
4M Collections, which also does business as Discovery Financial Services, is a collection agency located in Vancouver, Washington. It opened for business in 1996, has 18 employees, and is managed by Melinda Chumbley.
According to the company website, it is a member of Washington Collectors Association and American Collectors Association. Civil litigation records at the PACER website confirm that consumers who believed they were being harassed by 4M Collections, LLC refused to be intimidated.
Alleged Violations against 4M Collections, LLC
According to PACER, on or around February 3, 2018, 4M Collections, LLC had a Washington consumer served with a summons and complaint. He asserted that he did not owe any money to the agency or the original creditor.
The summons stated, in part, that to defend against this lawsuit, the consumer had to respond to the complaint by stating his defense in writing and serving a copy upon the court and the person signing the summons within 20 days or a default judgment could be entered against him.
However, Washington law did not require the court to be served.
Feeling harassed by 4M Collections, LLC, the consumer hired a lawyer and filed a claim against the company for allegedly using false, deceptive, and misleading means to collect a debt.
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
Their presence on your caller ID confirms that 4M Collections, LLC is trying to contact you. If they send you legal documentation that misrepresents your rights or obligations, hire a consumer lawyer and file a claim against 4M Collections, LLC.
You could be awarded $1,000 per FDCPA violation plus attorney fees and court costs, so taking action can be in your best interests.
Case taken from PACER (pacer.gov). File number is Case 2:18-cv-00079-SAB from the United States District Court for the Eastern District of Washington.
*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 4M Collections, LLC, or any other third-party collection agency, you may not be entitled to any compensation.