Are you being called by Albuquerque Collection Service?* Here's what you need to know.
Few people intentionally amass debt with no intention of paying it back. Job loss, illness, or an unforeseen personal crisis like divorce can hit when you least expect it and put you in a position where you are no longer able to afford your monthly credit card, student loan, and medical debt bills. If you start hearing from debt collectors who try to bully you into paying, be aware that you have rights that collection agencies violate at their own professional risk.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA), a consumer protection law that made it illegal to use methods like those below to collect a debt. During the ensuing four decades, collection agencies have been fined and even shut down for mistreating consumers.
- Demanding amounts not supported by law or the original creditor agreement
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
- Calling someone at work after they’ve been advised that such calls are not allowed
- Ignoring a formal cease communications request
- Using profane or obscene language
- Pretending to be lawyers or federal agents
Company Profile: Albuquerque Collection Service
If you are being called by Albuquerque Collection Service, information about the company is below.
Albuquerque Collection Service is a debt collection company located in Albuquerque, New Mexico. It was established in 1968, has approximately 29 employees, and is managed by its CCO, Teri Plunkett. Files archived at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Albuquerque Collection Service filed lawsuits in response.
Alleged Violations against Albuquerque Collection Service
Rob Treinen vs. Albuquerque Collection Service*
According to PACER, in April 2006 Albuquerque Collection Service sent New Mexico resident Rob Treinen a collection letter regarding a medical debt that he had disputed with the original creditor. In May he sent the agency a letter requesting no further contact, but not long afterward, a collection agent called him on his cell phone to demand payment.
Feeling harassed by Albuquerque Collection Service, Mr. Treinen hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using unfair and unconscionable means to collect a debt
- Contacting him after a cease communications letter had been sent out
The matter was later dismissed.
Hire an Attorney
The phone number for this collection firm are:
If you see any of these numbers on your caller ID when the phone rings, it means that you are being called by Albuquerque Collection Service. If they persist in trying to contact you even after you have sent a cease communications letter, hire a consumer attorney. If you file a claim against Albuquerque Collection Service and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. When your rights are violated, it pays to fight back.
*Case taken from PACER (www.pacer.gov). File number is Case 1:06-cv-00890-JEC-RHS from the United States District Court for the District of New Mexico.
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 Albuquerque Collection Service, or any other third-party collection agency, you may not be entitled to any compensation.