Consumer protection laws govern the ways that consumers can be contacted. Although a many collection agencies work to abide by the rules, too many follow their own agenda. Many harass their victims unnecessarily by cursing, making threats, and calling several times a day at inconvenient hours.
If you are subjected to such debt collection harassment, learn more about how the law protects you.
Your Rights Under the FDCPA
Congress passed the Fair Debt Collection Practices Act (FDCPA) in 1977 after finding that too many debt collectors used abusive, deceptive, and unfair collection practices. Today, any collection agency that uses tactics like the following can lose their license or be shut down.
- Using profane language
- Threatening to ruin your credit if you don’t pay
- Contacting you after you have sent a cease and desist letter
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Pretending to be members of law enforcement
- Failing or refusing to report a debt as disputed to the credit bureaus
Company Profile: A.I.T. Credit Services, Inc.
If you are being called by A.I.T. Credit Services, Inc., information about the company is below.
A.I.T. Credit Services, Inc. is a debt collection agency located in Inwood, New York. It was established in 1991, has 25 employees, and is managed by its President, Abraham Teper.
Records on file at the PACER (Public Access to Court Electronic Records) website indicate that several consumers who believed they were being harassed by A.I.T. Credit Services, Inc. dealt acted on the protection that the law provides them.
Alleged Violations against A.I.T. Credit Services, Inc.
According to PACER, on June 11, 2012 A.I.T. Credit Services, Inc. sent a collection letter to a New York consumer. He later alleged that this letter was the first communication he had received from the company and that it did not properly describe his right to dispute the debt and seek validation.
The letter also stated that nonpayment could be a concern for him if he wanted to “maintain a good credit profile.”
Feeling harassed by A.I.T. Credit Services, Inc., the consumer hired a consumer lawyer and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive and misleading means to collect a debt
- Failing to properly advise him of his dispute rights
The matter was later dismissed.
Hire a Lawyer
The phone numbers for this debt collection agency are:
If you see either any of them on your caller ID, it means that you are being called by A.I.T. Credit Services, Inc.. If they suggest that nonpayment could damage your credit forever, hire a consumer lawyer.
If you ultimately file a claim against A.I.T. Credit Services, Inc. and win, you may be awarded $1,000 per FDCPA violation and plus fees and costs. Working with an attorney can get debt collectors to stop their abusive practices.
Case taken from PACER (pacer.gov). File number is Case 1:12-cv-03246-DLI-RML from the United States District Court for the Eastern District of New York.
*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 A.I.T. Credit Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.