Are you being called by Alexander Collection Agency?* Here's what you need to Know
Becoming burdened by debt was never part of your plan. You worked hard your entire adult life and made a point of paying your bills, but since you lost your job, keeping up has been impossible. None of this matters to collection agencies, however. If you can’t pay, some of them devise unpleasant means to harass you until you do.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law that prohibits collection actions that unfair, unethical, and abusive. If a debt collection uses strategies like those below each time they contact you, they’re breaking the law.
- Calling you outside of the hours of 8:00 a.m. - 9:00 p.m. in your time zone
- Using profane or obscene language
- Failing to identify themselves as debt collectors in each communication
- Reporting inaccurate information to the credit bureaus
- Threatening legal actions they cannot take or have no intention of taking
- Ignoring a cease communications notice
Company Profile: Alexander Collection Agency
If you are being called by Alexander Collection Agency, information about the company is below.
Alexander Collection Agency is a debt collection company located in Kentwood, Michigan. It was established in 2001, is a smaller agency with less than 10 employees, and is managed by owner Larry Alexander. Civil litigation records maintained by the PACER (Public Access to Court Electronic Records) website suggest that consumers who believed they were being harassed by Alexander Collection Agency took the agency to court.
Alleged Violations against Alexander Collection Agency
Julie VanDyke vs. Larry William Alexander, d/b/a Alexander Collection Agency*
According to PACER, In April 2008 Alexander Collection Agency sent a demand letter to Michigan resident Julie VanDyke demanding payment for a fitness club membership debt that she regarded as invalid. She later claimed that no verification details arrived within five days as required by law, but soon after receiving the letter she spoke to agency owner Larry Alexander, who allegedly told her that unless she agreed to pay at least half the debt, he was going to take her to court and garnish her wages. When Ms. VanDyke refused to pay, Mr. Alexander allegedly snapped, “I’m suing you. You gotta do what you gotta do.”
Feeling harassed by Alexander Collection Agency, she hired a consumer attorney sued the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the character, amount, or legal status of a debt
- Threatening legal action that couldn’t be taken
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone number for this collection agency is 1-616-281-3403. If you see it on your caller ID, it means that you are being called by Alexander Collection Agency. If they threaten legal actions that never transpire simply to scare you into paying, hire a consumer attorney. Harassing consumers in this manner is illegal, so if you file a claim against Alexander Collection Agency, you could receive $1,000 per FDCPA violation. When you stand up to a rogue debt collector, they could end up owing you money.
*Case taken from PACER (www.pacer.gov). File number is Case 1:08-cv-00422-PLM from the United States District Court for the Western District of Michigan, Southern 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 Alexander Collection Agency, or any other third-party collection agency, you may not be entitled to any compensation.