Gone are the days when being in debt can send you to jail, but many debt collectors will still treat you like you belong behind bars. They will belittle you, threaten to call the police, and in general, make your life miserable to collect the smallest amounts of money.
Your Rights Under the FDCPA
Congress passed the Fair Debt Collection Practices Act to protect people from being threatened and abused over their inability to pay a debt. Prohibited conduct includes:
- Using profane and obscene language
- Trying to collect a bankruptcy-discharged debt
- Threatening to send you to jail
- Ignoring a debt validation request
- Calling you a deadbeat
- Pretending to be police officers or government agents
Company Profile: Alta Reo, LLC
If you are being called by Alta Reo, LLC, a company overview is below.
Alta Reo, LLC is a mortgage investor and debt collection agency in Seattle, Washington. It was incorporated in 2016, has fewer than 10 employees, and is managed by.
An inspection of lawsuit records at the PACER website indicates that those who believed that Alta Reo, LLC was harassing them refused to be intimidated.
Alleged Violations against Alta Reo, LLC
According to PACER, on or around mid-2017, representatives of Alta Reo, LLC sent collection notices to a Florida couple regarding a post-foreclosure mortgage deficiency from 2015.
The couple insisted that they had a signed agreement with the original creditor, who waived their ability to pursue a deficiency judgment.
Feeling harassed by Alta Reo, LLC, the consumer got a free consultation from a lawyer before suing the company for:
- Misrepresenting the legal status of the debt
- Using unfair means to collect a debt
The matter was later resolved.
Get a Free Case Evaluation
The phone number for this debt collector is 1-800-349-3739. If you see it on your caller ID at any time, it means that you are being called by Alta Reo, LLC. If they send letters seeking payment for a nonexistent debt, see a consumer lawyer and file a claim against Alta Reo, LLC.
If you win your case, you may potentially receive $1,000 per FDCPA violation plus court costs and attorney fees, so don’t be afraid to stand up for yourself when a collection agency crosses the line.
- How to Stop a Debt Collector from Threatening Legal Action
- What Third Parties Can a Debt Collector Contact?
Case taken from PACER (pacer.gov). File number is Case 8:18-cv-00955-JSM-AEP from the United States District Court for the Middle District of Florida, Tampa 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 Alta Reo, LLC or any other third-party collection agency, you may not be entitled to any compensation.