Are you being called by Alpat Company, Inc.?* Here’s what you need to know
When you’re struggling to make ends meet, it gets worse when debt collectors start calling and sending you letters, demanding payments you can’t afford. Sometimes you get so stressed-out that you wonder if bankruptcy is the only way to make it stop. While bankruptcy can deliver a fresh start financially, a consumer attorney can help you bring the collection agency under control.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA regulates how debt collectors can communicate with consumers about accounts they have been assigned to settle. Since 1977, when the law took effect, approaches like the following have been illegal.
- Using profane and obscene language
- Revealing details about the debt with anyone but you, your spouse, or your attorney
- Pretending to be attorneys, police officers, or federal agents
- Contacting you at your workplace after being advised that such calls are not permitted
- Threatening action they are not in a position to legally take
- Threatening to ruin your credit or have you arrested.
Company Profile: Alpat Company, Inc.
If you are being called by Alpat Company, Inc., information about the company is below.
Alpat Company, Inc. is a debt collection company located in Slidell, Louisiana. It was established in 1993, employs approximately 30 staff, and is managed by Alcide L. Thonn, Jr. A review of consumer-inspired lawsuits at the PACER (Public Access to Court Electronic Records) website confirms that people who felt they were being harassed by Alpat Company, Inc. chose to challenge the agency’s demands in court.
Alleged Violations against Alpat Company, Inc.
Delia Chow vs. Alpat Company, Inc., Inc.*
According to PACER, in or around November 15, 2011 New York resident Delia Chow sent a dispute letter to Alpat Company, Inc. regarding a debt it had been trying to collect from her. She also requested a validation letter, but allegedly never received it, and later claimed that when she checked her credit report, the company did not mark the debt as disputed.
Feeling harassed by Alpat Company, Inc., Ms. Chow hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If you ever see either of them on your caller in response to an incoming call, it means that you are being called by Alpat Company, Inc.. If they do not send you a debt validation letter on request and fail to correctly report a debt as disputed to the credit bureaus, contact a consumer attorney. If you file a claim against Alpat Company, Inc., you could be awarded $1,000 per FDCPA violation plus court costs and attorney fees. Never tolerate abuse when you have legal ways of fighting back.
*Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-02084-ILG-SMG 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 Alpat Company, Inc. or any other third-party collection agency, you may not be entitled to any compensation.