Are You Being Called By Accudata Credit Systems, LLC*? Here's What You Need to Know
If you're deep in debt and have fallen behind in your required payments, you may have received phone calls or letters from debt collectors. They may even be threatening you with a lawsuit, wage garnishment, or imprisonment. What they rarely tell you is that you have rights in such situations.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits third-party debt collectors from using bullying or deceptive methods to settle a debt. If they subject you to any of the following, they’re breaking the law.
- Calling you at an inconvenient time, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with uninvolved third parties like your friends, family and neighbors
- Claiming that you can be arrested, have your assets seized, or have your wages garnished if they do not pay
- Refusing or failing the validate the debt
- Swearing, raising their voice, and calling you names
- Refusing or failing to report a debt as disputed
Company Profile: Accudata Credit Systems, LLC
If you are being called by Accudata Credit Systems, LLC, here is a wider overview of the agency.
Accudata Credit Systems, LLC is a debt collection agency in Jefferson City, Missouri. It was established in 1926, has fewer than five people on staff, and is managed by owner Lori Stokes. Holdings at the PACER website include litigation records showing that consumers who believed that they were being harassed by Accudata Credit Systems, LLC pushed back hard.
Alleged Violations against Accudata Credit Systems, LLC**
According to information on the PACER website, on or around April 28, 2017, Accudata Credit Systems, LLC sent a collection letter to a California consumer demanding payment for a debt. It directed her to “remit payment in full to this office within 30 days,” although the timeline contradicted her dispute rights.
Feeling harassed by Accudata Credit Systems, LLC, the consumer stood her ground and sued the company for allegedly:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Using harassing and abusive means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If either number appears up on your caller ID when the phone rings, it is confirmation that you are being called by Accudata Credit Systems, LLC. If they send collection letters that appear to contradict or ignore the mandatory dispute period, hire a consumer lawyer and file a claim against Accudata Credit Systems, LLC. You could win $1,000 per FDCPA violation and have your reasonable legal fees paid by the agency. It’s an outcome that can remind collection agencies that ignoring consumer rights is an expensive mistake to make.
**Case taken from PACER (pacer.gov). File number is Case 5:17-cv-01795-JGB-SP from the United States District Court for the Central District of California.
*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 Accudata Credit Systems, LLC or any other third-party collection agency, you may not be entitled to any compensation.