If you’ve encountered financial difficulties and become delinquent in your debt obligations, debt collectors will eventually be contacting you. Not all of them will be civil in their payment demands, either. But as an indebted consumer you have rights that aggressive debt collectors might violate at their own professional risk.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party collection agencies from using methods like those below to deceive or intimidate you into paying a consumer debt:
- Calling you several times a day
- Telling you that by failing to pay the debt, you have committed a crime
- Discussing your debt with anyone except you, your spouse or your attorney
- Swearing and calling you names
- Talking to uninvolved third parties such as your friends, family, and co-workers about the debt
- Threatening legal action that they are not in a position to take or have no intention of taking
Company Profile: Allocated Business Management, LLC
If you are being called by Allocated Business Management, LLC information about the company is below.
Allocated Business Management, LLC is a debt collection agency located in Mundelein, Illinois. It was established in 2006, has less than 10 employees, and is managed by its President, Tina Odrowski. Records accessible at the PACER (Public Access to Court Electronic Records) website reveal that people who believed they were being harassed by Allocated Business Management, LLC chose to deal with the problem in court.
Alleged Violations against Allocated Business Management, LLC
Kevin Kolbus vs. Allocated Business Management, LLC*
According to PACER, on or about October 8, 2014, an Allocated Business Management, LLC representative who identified himself as “Branden Keane” called the wife of of Illinois resident Kevin Kolbus at work and left a message with her supervisor. Mr. Kolbus called Mr. Keane the following day, advised that a payment was being made on October 17, 2014 and that Allocated Business Management, LLC was to call him instead of attempting to reach his wife at work.
Mr. Keane allegedly replied that he had a legal right to call her there whenever he wanted, and threatened to call the human resources department at Mrs. Kolbus’s place of employment and initiate immediate wage garnishment, although no judgement had ever been obtained against the couple.
Feeling harassed by Allocated Business Management, LLC, Mr. Kolbus hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using abusive and harassing methods to collect a debt
- Communicating with unauthorized third parties about the debt
- Using false, deceptive and misleading means to collect a debt
- Threatening actions it was not legally able to take
The matter was later dismissed.
Hire an FDCPA Attorney
The phone number for this collection agency is 1-847-970-6000. If it appears on your caller ID when the phone rings, it means that you are being called by Allocated Business Management, LLC. If they call you at work despite being ordered to stop and threaten wage garnishment if you don’t pay, hire a consumer attorney.
If you file a claim against Allocated Business Management, LLC, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages, proving that standing up for yourself can truly pay off.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:15-cv-08873 from the United States District Court for the Northern District of Illinois, Eastern 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 Allocated Business Management, LLC, or any other third-party collection agency, you may not be entitled to any compensation.