Many consumers go to bed at night dreading the possibility of getting a late-night call from a debt collector. They experience the same anxiety during the day, at home and work.
These people would be surprised to know that debt collectors who stress people to this extent are breaking the law, and that there are ways to regain peace of mind.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, contains important protections for consumers who owe a debt. The FDCPA requires third-party debt collectors to be civil and ethical when communicating with consumers and penalizes those who try to compel payment in the following ways:
- Using profane, obscene or abusive language
- Leaving a voice mail message that doesn’t identify them as a debt collector
- Talking to your family, friends or neighbors about your debt
- Threatening to publish your name on a debtor’s list
- Contacting you directly when they know that you have an attorney
- Demanding payment for a debt discharged in bankruptcy
Company Profile: AMYFIN, LLC
If you are being called by AMYFIN, LLC, more information about the company is summarized below.
AMYFIN, LLC, which also does business as AMYFIN Collection Agency & Recovery, is a debt collection agency located in Schaumburg, Illinois. It was founded in 2016, has 16 employees on staff, and is managed by its President, Marcin Wierzba.
The company has a C+ rating with the Better Business Bureau. The PACER website holds records confirming that consumers who felt they were being harassed by AMYFIN, LLC preferred to litigate instead of pay.
Alleged Violations against AMYFIN, LLC
According to PACER, in or around early 2016, AMYFIN, LLC started calling an Illinois consumer to collect a debt. He complained that when the caller left a voicemail, it went as follows and did not identify them as a debt collector.
Hi. This message is from Amyfin. Please contact us at 1-847-754-4498. It’s imperative we hear from you. Once again that number is 1-847-754-4498. Thank you and have a nice day.
Feeling harassed by AMYFIN, LLC, the consumer hired an attorney and sued the agency for allegedly violating his rights by failing to identify itself as a debt collector in all communications.
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for AMYFIN, LLC are:
Their presence on your caller ID is confirmation that AMYFIN, LLC is trying to reach you, presumably to collect a debt. If they leave voice messages that do not identify them as debt collectors, take action by hiring a consumer lawyer and filing a claim against AMYFIN, LLC.
Any debt collector that violates the FDCPA can be ordered to pay you statutory damages of $1,000, which could exceed the size of the original debt and put them in debt to you instead.
Case taken from PACER (pacer.gov). File number is Case: 1:16-cv-03395 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 AMYFIN, LLC, or any other third-party collection agency, you may not be entitled to any compensation.