Are you being called by Accurate Collection Services?* Here's what you need to know
Unethical debt collectors harass people in several different way. Common examples include swearing at you, calling every day, and threatening to seize your home. Such behavior is 100% illegal, but these offenders bet on the fact that most consumers are too unfamiliar with their rights to protest.
Your Rights Under the FDCPA
Not all debt collectors are unethical but enough of them are so abusive that the Federal Trade Commission receives multiple complaints every year. The Fair Debt Collection Practices Act (FDCPA) makes it illegal to use tactics like those below to collect a debt, so any agency that mistreats consumers risks serious penalties.
- Claiming that you owe an amount that’s not supported by law or the original creditor agreement
- Calling at inconvenient times, normally before 8:00 a.m. and after 9:00 p.m., in your time zone
- Refusing to prove that a debt is valid and they are authorized to collect it
- Using profane and obscene language
- Failing or refusing to report a debt as disputed to the credit bureaus
- Threatening legal actions they cannot take or have no intention of taking
Company Profile: Accurate Collection Services
If you are being called by Accurate Collection Services, information about the company is below.
Accurate Collection Services is a debt collection company located in Morristown, New Jersey. It was established in 2011, has less than 10 employees, and is managed by John McCafferty. Court records at the PACER (Public Access to Court Electronic Records) website suggest that consumers who felt they were being harassed by Accurate Collection Services opted to take the matter to court instead of pay.
Alleged Violations against Accurate Collection Services
Linda Roglen vs. Accurate Collection Services*
According to PACER, beginning in or around March 2014, Accurate Collection Services representatives allegedly started placing collection calls to New Jersey resident Linda Roglen. She disputed the alleged payday loan debt and requested no further contact, but the calls allegedly continued. One collector allegedly threatened that unless she made payment on the debt, she could be served “with court papers.” Another call was allegedly placed to Ms. Roglen’s elderly mother, during which the collector informed her about Linda’s debt and asked for credit card information to pay it.
Feeling harassed by Accurate Collection Services, Ms. Roglen hired a consumer attorney and sued the company for violating the FDCPA in the following ways:
- Discussing the alleged debt with an uninvolved third party
- Using harassing and abusive means to collect a debt
- Harassing her by phone
- Using false, deceptive, and misleading means to collect a debt
- Misrepresenting the character, amount, or legal status of the debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see either one of them on your caller ID when a call comes in, be aware that you are being called by Accurate Collection Services. If they discuss your debt with your friends and family and threaten legal action for a debt you do not owe, hire a consumer attorney. If you file a claim against Accurate Collection Services with your attorney’s help and win, you could be awarded statutory damages of $1,000 per FDCPA violation plus applicable legal costs. This is how collection agencies learn that violating consumer rights is an expensive mistake.
*Case taken from PACER (pacer.gov). File number is Case 2:14-cv-07605-ES-JAD from the United States District Court for the District of New Jersey.
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 Accurate Collection Services, or any other third-party collection agency, you may not be entitled to any compensation.