Thousands of people have their lives made difficult by debt collectors. In some cases, the debt is not even theirs and in others, they owe it but the collection agency freely abuses the consumer’s rights to get the money. If you are ever dealing with a company that treats you in this manner, learn more about what you can do about it.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, provides you with certain rights when a debt collector acts in a rude or aggressive manner with you. Below are some examples of illegal activities that can get a collection agency fined or closed permanently.
- Yelling, swearing, and using threatening language
- Calling you at work after they’ve been advised that such calls are not allowed
- Threatening legal action they cannot take or have no intention of taking
- Calling before 8:00 a.m. and after 9:00 p.m. unless you give them permission
- Misrepresenting how much you owe
- Failing to identify themselves as debt collectors each time they speak to you
Company Profile: Apollo Credit Agency, Inc.
If you are being called by Apollo Credit Agency, Inc., more information about this particular collection agency is below. Apollo Credit Agency, which also does Western Recovery Systems, Inc. and Ultra Check, Inc. is a debt collection agency in Lakewood, Colorado.
It was established in 1972, has 30 employees, and is managed by its President, Eldon E. Kunz. The company has a D- rating with the Better Business Bureau. Legal records at the PACER website reveal that consumers who believed that they were being harassed by Apollo Credit Agency, Inc. did not give in to payment demands.
Alleged Violations against Apollo Credit Agency, Inc.
According to PACER, in or around March 2013, Apollo Credit Agency, Inc. started contacting a New Mexico consumer to collect a medical debt. This debt had allegedly been paid as part of a personal injury settlement, so she disputed it and told the collectors to contact her attorney instead. However, the collection attempts persisted and the agency reported the debt to the credit bureaus as valid.
Feeling harassed by Apollo Credit Agency, Inc., the consumer filed a lawsuit against the company for:
- Using harassing and abusive means to collect a debt
- Contacting her directly instead of her attorney
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Reporting incorrect information to the credit bureaus
A judge later ruled in favor of the plaintiff.
Hire an Attorney
The phone number for this debt collection agency is 1-303-989-0550. If it appears on your caller ID, it’s confirmation that Apollo Credit Agency, Inc. believes you owe it money.
If they persist in contacting you instead of your attorney and report a settled debt as valid to the credit bureaus, protect yourself by hiring a consumer lawyer and filing a claim against Apollo Credit Agency, Inc. You could be awarded $1,000 in statutory damages and have your legal fees covered, so you have everything to gain by fighting back.
Case taken from PACER (pacer.gov). File number is Case 1:14-cv-00286-JAP-CG from the United States District Court for the District of New Mexico.
*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 Apollo Credit Agency, Inc. or any other third-party collection agency, you may not be entitled to any compensation.