According to the Consumer Financial Protection Bureau, one-third of U.S. consumers have been contacted by a debt collector or creditor in the past year. Nearly one-quarter of the debtors claimed that they felt threatened by the collector’s demands. It’s an ongoing problem that a federal law investigates and punishes without hesitation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) makes it illegal for third-party collection agencies to use harassment and intimidation to collect payments. If you are being hounded by a debt collector who uses tactics like the following, they are breaking the law.
- Swearing and using racist or sexist language
- Discussing the debt with anyone except you, your spouse, or your attorney
- Demanding amounts that are inflated by ‘service charges’
- Raising their voice and making threats they have no intention of following up on
- Threatening to damage your reputation and credit rating
- Calling several times per day
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Company Profile: Andrews, Bolden & Associates, Inc.
If you are being called by Andrews, Bolden & Associates, Inc., a company background is below.
Andrews, Bolden & Associates, Inc. is a collection agency in Cleveland, Ohio. It opened for business in 1984, has six employees, and is managed by its owner, Lawrence P. Brock. The PACER website holdings include records confirming that consumers who believed that they were being harassed by Andrews, Bolden & Associates, Inc. went to court.
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Alleged Violations against Andrews, Bolden & Associates, Inc.*
According to PACER, in or around March 2012, Andrews, Bolden & Associates, Inc. started contacting an Ohio consumer to collect a debt. She complained that on at least three occasions, a collector who identified herself as “Betty Grey” left voice mail messages in which she stated that she was with “First Federal of Lakewood.” Ms. Grey allegedly never gave the actual name of the company in these messages.
Feeling harassed by Andrews, Bolden & Associates, Inc., the consumer sued the agency for allegedly:
- Failing to identify itself a debt collector in all communications
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
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Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-216-941-5400. If you see it on your caller ID when the phone rings, be aware that Andrews, Bolden & Associates, Inc. is on the line.
If they fail to identify themselves as debt collectors, they have violated the FDCPA, so hire a consumer lawyer and file a claim against Andrews, Bolden & Associates, Inc. You could be awarded $1,000 per violation, so standing up for yourself can be the smartest corrective action you can take.
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Additional Resources
Case taken from PACER (pacer.gov). File number is Case: 1:12-cv-01674-PAG from the United States District Court for the Northern District of Ohio, 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 Andrews, Bolden & Associates, Inc. or any other third-party collection agency, you may not be entitled to any compensation.