Are you being called by Account Brokers of Larimer County, Inc.? You may want to read this:
People can become overwhelmed by debt for reasons that have nothing to do with financial irresponsibility. They’ve been laid off, become too sick to work, or had an unexpected financial crisis like a divorce or emergency car repairs.
Debt collectors don’t always care, however, and can be ruthless in trying to make you pay.
It is important to remember that collecting debts is not against the law, but harassment is.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA regulates what debt collectors may say or do while communicating with consumers and prohibits practices like those below.
- Raising their voice and making threats they have no intention of following up on
- Threatening legal action they cannot take, such as having you arrested and seizing your assets
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
- Calling you at work after being informed that your boss does not permit such calls
- Discussing the debt with anyone except the you, your attorney, spouse, or co-signer
- Pretending to be police officers or government agents
Company Profile: Account Brokers of Larimer County, Inc.
Account Brokers of Larimer County, Inc. is a debt collection agency located in Fort Collins, Colorado. It was established in 1989, has approximately 10 to 19 employees, and is managed by James F. Bruenger.
A search of litigation records on file at the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by Account Brokers of Larimer County, Inc. sued the agency for compensation.
Alleged Violations by Account Brokers of Larimer County, Inc.
James Smith vs. Account Brokers of Larimer County, Inc. et al**
According to PACER, in or around 2015 Account Brokers of Larimer County, Inc. allegedly contacted James Smith on a regular basis about paying a debt. On or about April 30, 2015, the original creditor sent a letter to Mr. Smith confirming that there was “no balance owed” on the debt and that it would notify the agency.
He sent a copy of this letter to Account Brokers of Larimer County, Inc., but the agency allegedly continued to call him and send letters about his settled debt. On or about August 10, 2015, a representative allegedly told Mr. Smith that the debt was valid and that there was nothing he could do to stop them from collecting it.
Feeling harassed by Account Brokers of Larimer County, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA by:
- Using harassing and abusive means to collect a debt
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone number for this collection agency is 1-970-494-7700. If you see it on your caller ID, it means that you are being called by Account Brokers of Larimer County, Inc.. If they harass you over a debt that no longer exists, hire a consumer attorney who can help you file a claim against Account Brokers of Larimer County, Inc.
If you win your case, you could receive $1,000 per FDCPA violation in addition to attorney’s fees and other costs. Don’t let yourself be abused: fight back and put a collection agency in debt to you instead.
**Case taken from PACER (www.pacer.gov). File number is Case 1:16-cv-00123-WJM-KLM 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 Account Brokers of Larimer County, Inc., or any other third-party collection agency, you may not be entitled to any compensation.