A debt collector may tell you that you have no choice but to take their harassing calls, but the law says otherwise. In November, one collection agency was fined $9 million after allegations that it harassed Californian consumers with thousands of robocalls.
This is exactly the kind of conduct that consumer protection laws are designed to stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) penalizes third-party collection agencies that harass, deceive, and otherwise abuse consumers in ways like the following:
- Calling you at work after you tell them that you can’t take personal calls there
- Using obscene language
- Demanding amounts that are not supported by law or the original creditor agreement
- Calling you before 8:00 a.m. and after 9:00 p.m. in the your time zone
- Trying to collect after you have formally disputed a debt
- Refusing to validate the debt and prove that they are authorized to collect it
Company Profile: Anson Street, LLC
If you are being called by Anson Street, LLC, here are some more details about the agency.
Anson Street, LLC is a debt collection agency located in Las Vegas, Nevada. It opened for business in April 2007, has 20 employees, and is managed by its President, Kevin Branigan.
A review of archived files at the PACER website indicates that consumers who believed they were being harassed by Anson Street, LLC hired lawyers to level the playing field.
Alleged Violations against Anson Street, LLC
According to PACER, on or about September 24, 2015, an agent acting on behalf of Anson Street, LLC sent a collection letter to an Illinois consumer regarding a mortgage debt that he had stopped paying in October 6, 2008.
The loan had gone into default in Nevada, where the statute of limitation was six years, making the debt uncollectible in 2015.
Feeling harassed by Anson Street, LLC, the consumer acted on his rights under the FDCPA by suing the company for:
- Misrepresenting the legal status of the debt
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this collection agency is 1-800-365-7107. If it appears on your caller ID, be aware that Anson Street, LLC is trying to reach you. If they try to make you pay a time-barred debt, don’t be intimidated: hire a consumer lawyer and file a claim against Anson Street, LLC.
If your claim is successful, the agency will be ordered to compensate you and cover your legal fees, so you have everything to gain by being proactive.
Case taken from PACER (pacer.gov). File number is Case: 1:16-cv-02942 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 Anson Street, LLC, or any other third-party collection agency, you may not be entitled to any compensation.