Are you being called by Able Collection Service, Inc.?* Here's what you need to know
Financial problems can happen to anyone. Even the most responsible person can lose their job or become disabled, eventually forcing them to stop paying their monthly bills. Unfortunately, people in this position are often belittled and abused by debt collectors who are determined to harass their last dollar out of them. If it happens to you, remember that you have rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires third-party debt collectors to be respectful when communicating with indebted consumers. Using pressure tactics like those below violate federal law.
- Swearing and using profane language
- Calling at all hours of the day and night
- Discussing the debt with your family, friends, and co-workers
- Demanding amounts inflated by ‘service charges’ and other miscellaneous fees
- Pretending to be attorneys or police officers
- Ignoring a formal cease communications request
Company Profile: Able Collection Service, Inc.
If you are being called by Able Collection Service, Inc., information about the company is below.
Able Collection Service, Inc. is a debt collection agency located in North Little Rock, Arkansas. It opened for business in 1979, has less than 10 employees, and is managed by its President, Steven Sherrill. Court records retained by the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by Able Collection Service, Inc. filed lawsuits and demanded compensation.
Alleged Violations against Able Collection Service, Inc.
Brandon Tyner vs. Steven Sherrill and Able Collection Service, Inc.*
According to PACER, in February 2004 Arkansas resident Brandon Tyner checked his credit report and saw that Able Collection Service, Inc had reported a fitness membership debt that he denied owing. Nonetheless, the agency continued its collection attempts. Owner Steven Sherrill allegedly discussed the supposed debt with one of Mr. Tyner’s friends and called her “stupid.”
Feeling harassed by Able Collection Service, Inc., Mr. Tyner hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are as follows:
If you see either any of them on your caller ID at any time, it means that you are being called by Able Collection Service, Inc. If they refuse to cease contact even after you deny owing the debt and discuss the situation with your friends and family, hire a consumer attorney. If you file a claim against Able Collection Service, Inc., you could eventually be awarded $1,000 per FDCPA violation plus costs and damages. Standing up for yourself could put a debt collector in debt to you instead.
*Case taken from PACER (www.pacer.gov). File number is Case 4:04-cv-00175-JLH from the United States District Court for the Eastern District of Arkansas, 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 Able Collection Service, Inc., or any other third-party collection agency, you may not be entitled to any compensation.