Debt collectors often engage in unethical and even illegal conduct. They even abuse victims of identity theft, victims who do not legally owe these debts. If this happens to you, don’t forget that you have legal protections and remedies at your disposal.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) bars third-party debt collectors from bullying or coercing consumers into paying their debts. This means that strategies like the following can result in penalties and even loss of the agency’s license.
- Trying to charge you a fee to make a debt payment
- Failing to identify themselves as debt collectors trying to collect a debt
- Calling your family and telling them that you owe money
- Using profane and abusive language
- Calling you several times a day
- Demanding outrageous ‘fees’ in addition to the original debt
Company Profile: Action Collection Service, Inc.
If you are being called by Action Collection Service, Inc., additional details about the company are below.
Action Collection Service, Inc., which also does business as Interstate Collections of Idaho, is a debt collection agency located in Boise, Idaho, with a branch office in Idaho Falls. It was founded in 1961, has approximately 60 employees, and is managed by Tom R. Merrel.
Litigation records viewable at the PACER website indicate that consumers who believed they were being harassed by Action Collection Service, Inc. did not hesitate to fight back.
Alleged Violations against Action Collection Service, Inc.
According to PACER, on or around mid-2015, Action Collection Service, Inc. started contacting a Washington consumer about an alleged debt. She asserted that none of the messages left on her voicemail identified the caller as a debt collector.
Feeling harassed by Action Collection Service, Inc., the consumer filed a class action lawsuit against the company for failing to identify itself as a debt collector in all communications.
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If they show up on your caller ID at any time, it means that Action Collection Service, Inc. is on the line. If they leave misleading messages on your answering machine, hire a consumer lawyer and file a claim against Action Collection Service, Inc.
If you win your case, you could receive $1,000 per violation plus court costs and attorney fees, so when a collection agency steps out of line, act on your rights and force them back.
Case taken from PACER (pacer.gov). File number is Case 3:15-cv-05726-BHS from the United States District Court for the Western District of Washington, Tacoma 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 Action Collection Service, Inc., or any other third-party collection agency, you may not be entitled to any compensation.