Most people take on debt with the honest intention of repaying it. Unfortunately, job loss, disability, and illness can prevent us from fulfilling these obligations. When debt collectors call and use disrespectful language, it can be tempting to declare bankruptcy, but before you consider that step, talk to a consumer lawyer instead.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from being harassed into bankruptcy by unethical debt collectors. Collection activities like those below are illegal and any company that uses them can be sued and even shut down.
- Using an auto dialer to leave a series of pre-recorded messages
- Ignoring you when you dispute the debt and tell them not to call again
- Discussing the debt with anyone but you, your spouse, or your attorney
- Swearing and using racist or sexist language
- Demanding amounts that are inflated by ‘service charges
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: ARC Management Group, LLC*
If you are being called by ARC Management Group, LLC, you can find more information about this particular debt collector below.
ARC Management Group, LLC is a debt collection agency located in Kennesaw, Georgia. According to the website, it has branch offices in New York, New York, Hollywood, Florida, Tampa, Florida, and Manila, Philippines. It was established in 2006, employs 100 to 249 people at its various outlets, and is managed by CEO Bill Wilson. Legal records at the PACER website suggest that consumers who believed they were being harassed by ARC Management Group, LLC took their cases to court.
Alleged Violations against ARC Management Group, LLC*
According to PACER, in or around early 2013, ARC Management Group, LLC allegedly began trying to collect a medical debt from a Florida consumer. He claimed that the debt was illegal, as the original creditor should have been paid by worker’s compensation.
Feeling harassed by ARC Management Group, LLC, he hired a consumer attorney and sued the company for allegedly misrepresenting the character, amount, or legal status of the debt.
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for ARC Management Group, LLC are:
If one of them appears on your caller ID, it means that ARC Management Group, LLC is on the line. If they try to make you pay a debt that you don’t legally owe, don’t give in to their demands or threats. Instead, see a consumer attorney who can work with you to file a claim against ARC Management Group, LLC. The company could be ordered to pay you $1,000 per FDCPA violation, so stand your ground when they pressure you and seek legal advice.
*Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-20569-CMA from the United States District Court for the Southern District of Florida.
The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against ARC Management Group, LLC or any other third-party collection agency, you may not be entitled to any compensation.