You’ve been trying to pay your debts, but since you lost your job, it’s been nearly impossible. Now debt collectors are calling you every day and making threats that leave you depressed and unable to sleep. Is there anything you can do to make it stop?
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that allows indebted consumers to dispute a debt, ask for proof that they owe it, and demand no further contact. Collection tactics like those below are prohibited.
- Using profane and obscene language
- Demanding that you pay a disputed debt
- Discussing the debt with anyone except you, your spouse, or your attorney
- Claiming that you owe an amount that’s not supported by law or the original creditor
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
- Showing up at your house to intimidate you
Company Profile: Amity Associates, LLC
If you are being called by Amity Associates, LLC, additional company details are below.
Amity Associates, LLC, which also does business as Accounts Receivable Technologies, is a collection agency located in Mount Freedom, New Jersey. It opened for business in 1993, has eight employees, and is managed by Scott Black. Litigation files at the PACER website reveal that consumers who believed that they were being harassed by Amity Associates, LLC went to court to settle the matter.
Alleged Violations against Amity Associates, LLC*
According to information on the PACER website, on or around April 11, 2014, a New Jersey consumer checked his credit report and found that Amity Associates, LLC was reporting a medical debt. On April 25, he faxed a dispute letter and demanded debt verification, but allegedly never received either. When the consumer ran his credit report on June 6, he found that the debt was not reported as disputed.
Feeling harassed by Amity Associates, LLC, he filed a claim against the agency for failing to report that the debt was in dispute.
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-973-328-6271. If it shows up on your caller ID, be aware that Amity Associates, LLC may be trying to collect a debt from you. If you dispute a debt and they fail to notify the credit bureaus, hire a consumer lawyer and file a claim against Amity Associates, LLC. 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 (pacer.gov). File number is Case 2:33-av-00001 from the United States District Court for the District of New Jersey.
*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 Amity Associates, LLC or any other third-party collection agency, you may not be entitled to any compensation.