Are you getting calls from Agency of Credit Control, Inc.? Learn how to protect your rights!
Anyone can find themselves suddenly hit by money problems. Job loss, injury, or a personal crisis such as divorce or emergency house repairs all have a detrimental effect on household income, so when bills go unpaid, the accounts are turned over to a third-party collection agency or sold to a junk debt buyer, and the calls and letters begin.
What you need to know is that these companies may attempt to collect a debt, but bullying you in the process is against the law.
Your Rights Under the FDCPA
Before the Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from ruthless and predatory debt collectors, tactics like the following were routine.
- Using profane and abusive language
- Calling the consumer at work after being informed that the workplace does not allow non-business calls
- Telling the debtor’s friends, neighbors, and uninvolved family members about the debt
- Ignoring a cease communications notice or directly contacting someone who has legal representation with regards to the debt
- Failing to identify themselves as debt collectors collecting a debt
- Failing or refusing to validate the debt
Company Profile: Agency of Credit Control, Inc.
If you are being called by Agency of Credit Control, Inc., information about the company is below.
Agency of Credit Control, Inc. is a debt collection agency located in Denver, Colorado. It was established in 1956, has approximately 10-19 employees, and is managed by its President, Michael L. Horstmann.
Records archived at the PACER (Public Access to Court Electronic Records) website confirm that people who believed they were being harassed by Agency of Credit Control, Inc. stood up to the company in court.
Alleged Violations against Agency of Credit Control, Inc.
Darren Brummond vs. Agency of Credit Control, Inc. et al**
According to PACER, Colorado resident Darren Brummond incurred a consumer debt of $280, which was subsequently sent to Agency of Credit Control, Inc. for collection. During one collection attempt, an agent allegedly called the home of Mr. Brummond’s parents, spoke to his father, and stated that he had a debt they wanted to collect on.
The senior Mr. Brummond was very upset and this situation caused Darren a lot of embarrassment and conflict at home.
Feeling harassed by Agency of Credit Control, Inc., Darren Brummond hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to send a debt validation notice
- Discussing the debt with third parties
Hire an Attorney
The phone numbers for this collection agency are:
If either of these numbers appear on your caller ID when the phone rings, it means that you might be getting a debt collection call from Agency of Credit Control, Inc.. If they fail to validate the debt and discuss your situation with your friends and family, hire a consumer attorney.
If you file a claim against Agency of Credit Control, Inc. and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages.
An attorney will help you safeguard the rights that the law grants to you when it comes to debts you owe and how they may be collected.
**Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-00957-WJM-BNB 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 Agency of Credit Control, Inc., or any other third-party collection agency, you may not be entitled to any compensation.