Are you being called nonstop by a debt collection agency that threatens you with wage garnishments and lawsuits? Do collectors call you at work to abuse and embarrass you? Such conduct is illegal, and you can make it stop.
Your Rights Under the FDCPA
Although they will never admit it, debt collectors are not allowed to intimidate or harass you to collect a debt. The Fair Debt Collection Practices Act, or FDCPA, prohibits manipulative collection strategies like the following.
● Using profane and obscene language
● Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
● Calling you several times per day using an autodialer
● Pretending to be law enforcement
● Telling you that you can be imprisoned if you don’t pay
● Reporting false information to the credit bureaus
Company Profile: American Credit Bureau
If you are being called by American Credit Bureau, here is some information about the agency.
American Credit Bureau is a debt collection agency in Boca Raton, Florida. It opened its doors in 1992, has a staff of 15 employees, and is managed by Martin Ferrel. Litigation files at the PACER website show that people who felt they were being harassed by American Credit Bureau refused to be intimidated.
Alleged Violations against American Credit Bureau
According to PACER, in or around June of 2014, American Credit Bureau began calling a California consumer about a debt. She claimed that the agency called her employer and asked for personal information about her, and that one collector left her coworker a message stating that they wanted to talk to her about a credit issue. In October, one collector allegedly told her that she would be sued if she did not pay immediately.
Feeling harassed by American Credit Bureau, the consumer took the company to court for:
● Making unfounded legal threats
● Discussing her situation with third parties
● Using abusive means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you ever see them on your caller ID,seek legal advice because it means that American Credit Bureau is calling. If collectors try to shame you at work, hire a consumer lawyer and file a claim against American Credit Bureau. When your life is affected because a collection agency behaves illegally, the law entitles you to compensation.
*Case taken from PACER (www.pacer.gov). File number is Case 5:14-cv-04659-HRL from the United States District Court for the Northern District of California.
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 American Credit Bureau or any other third-party collection agency, you may not be entitled to any compensation.