Is a collection agency harassing you day and night? No matter how much money you may owe, federal law prohibits such conduct. If telling the collector to stop calling you doesn’t work, you can report them to the Federal Trade Commission and even file a lawsuit against them for violating your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates the professional conduct of third-party debt collectors. If a company tries to deceive or threaten you into paying by applying any of the measures below, see a consumer lawyer about filing an FDCPA lawsuit.
- Contacting you after you are represented by an attorney
- Saying that they have court papers to serve on you when they don’t
- Telling you that they can have you sent to jail or evicted if you don’t pay
- Chasing you for a debt that isn’t yours
- Cursing and yelling at you over the phone
- Pretending to be police officers or federal agents
Company Profile: AP Account Services, LLC*
If you are being called by AP Account Services, LLC, you can find more information about the company below.
AP Account Services, LLC is a debt collection agency located in San Antonio, Texas. It opened for business in 2009, has five people on staff, and is managed by Charles E. Amato. A check of the database at the PACER website indicates that people who believed they were being harassed by AP Account Services, LLC stood firm and challenged the company in court.
Alleged Violations against AP Account Services, LLC*
According to PACER, on or around October 31, 2012, AP Account Services, LLC sent a collection letter to a California consumer. She alleged that this letter failed to state the name of the current creditor and was sent in a window envelope that displayed her information to anyone who handled it.
Feeling harassed by AP Account Services, LLC, the consumer hired a lawyer and sued the company for allegedly:
- Failing to provide her with the name of the current creditor
- Making her private information visible to outside parties
- Using unfair and unconscionable means to collect the debt
- Using harassing and abusive means to collect the debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for AP Account Services, LLC is 1-210-525-1242. Any time it shows up on your caller ID, you are being contacted by AP Account Services, LLC. If they fail to treat your confidential information with the appropriate caution, see a consumer lawyer for advice on how to file a claim against AP Account Services, LLC. A court could award you $1,000 per FDCPA violation plus your court costs and attorney fees, so when it comes to protecting your rights, you literally have everything to gain.
*Case taken from PACER (www.pacer.gov). File number is Case 5:13-cv-04762-PSG from the United States District Court for the Northern District of California, San Jose Division.
The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against AP Account Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.