The collections industry is widely disliked and distrusted for a reason. Aggressive and illegal debt collector conduct results in hundreds of consumer complaints to the Federal Trade Commission every year. If you are on the receiving end of debt collector harassment, learn more about your rights so you know what to do.
Your Rights Under the FDCPA
The Fair Debt Collections Practices Act (FDCPA) is a federal consumer protection law which prohibits collection agencies from engaging in unfair, and abusive debt collection techniques.
Violations provide for statutory damages and recovery of costs and attorney fees, so if you are subjected to any of these actions, call a lawyer.
- Using an autodialer to leave a series of pre-recorded messages
- Threatening to ruin your credit if you don’t pay
- Using profane or obscene language
- Calling you several times a day, every day
- Refusing or failing to validate the debt and prove that they are authorized to collect it
- Demanding amounts that are inflated by ‘service charges’
Company Profile: Access Receivables Management, Inc.
If you are being called by Access Receivables Management, Inc., information about the company is below.
Access Receivables Management, Inc. is a debt collection office located in Hunt Valley, Maryland. It was established in 1999, has 50 to 99 employees, and is managed by its President, Tom Gillespie.
A review of litigation files retained by the PACER (Public Access to Court Electronic Records) website suggest that many consumers who believed they were being harassed by Access Receivables Management, Inc. hired lawyers and went on the offensive.
Alleged Violations against Access Receivables Management, Inc.
According to PACER, on or around December 31, 2015, Access Receivables Management, Inc. began trying to collect a student loan debt from a Maryland consumer.
When he told one collector that he didn’t owe the debt and requested validation, the collector allegedly told him that he could only dispute the validity of the debt in writing. Access Receivables Management, Inc. also allegedly called his father at least three times regarding the debt.
Feeling harassed by Access Receivables Management, Inc., the consumer hired a consumer lawyer and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and oppressive means to collect a debt
- Discussing the debt with third parties
- Failing to send a debt validation letter
The matter was later settled.
Hire a Lawyer
The phone numbers for this debt collection company are as follows:
If you see any of these numbers on your caller ID, it means that you are being called by Access Receivables Management, Inc.. If they pursue you for a debt you don’t owe and discuss your debt with unauthorized third parties, hire a consumer lawyer.
Should you opt to file a claim against Access Receivables Management, Inc. and the outcome is in your favor, you could potentially receive $1,000 per FDCPA violation in addition to court costs and lawyer fees.
Don’t assume that because you owe money you have no rights. You have more than a debt collector wants you to know about.
Case taken from PACER (pacer.gov). File number is Case 1:16-cv-04102-RDB from the United States District Court for the District of Maryland, Baltimore 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 Access Receivables Management, Inc., or any other third-party collection agency, you may not be entitled to any compensation.