Millions of Americans across the country owe some form of debt: mortgages, credit cards, medical bills, and student loans. When hard times hit, these debts will go into collections and often be assigned to a third-party debt collector.
If you’re dealing with a collection agency that refuses to respect your privacy or treat you with respect, read on.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal law that governs collection agency interactions with consumers. These companies are supposed to treat you fairly and with respect, but if you’re being barraged by these types of behaviors, you can sue.
- Telling you that you can be arrested for not paying your debts
- Telling your friends and family that you owe money
- Threatening action they cannot legally take or have no intention of taking, such as garnishing your wages or seizing your home
- Cursing and shouting
- Calling you outside of the hours of 8:00 a.m. – 9:00 p.m. in your time zone without permission
- Reporting inaccurate information to the credit bureaus
Company Profile: Armada Corp. of Nevada
If you are being called by Armada Corp. of Nevada, here are some additional details about the company.
Armada Corp. of Nevada, which also does business as Payassist, is a debt collection agency located in Las Vegas, Nevada. The company is the Nevada branch of Armada Corp, a Washington-based financial services firm.
It was founded in 2004 has fewer than 10 employees, and is managed by President & CEO Tim Carson. An inspection of litigation records at the PACER website confirms that consumers who felt they were being harassed by Armada Corp. of Nevada chose to act on their rights.
Alleged Violations against Armada Corp. of Nevada
According to PACER, on or about July 11, 2014, Armada Corp. of Nevada sent a collection letter to a Nevada consumer seeking payment for a dental debt requesting payment owed to a dental office. The amount claimed was $639.07.
When she disputed the debt, the company sent her a debt verification letter listing the balance as $640.29. On October 15, 2014, Armada Corp. of Nevada filed a collection lawsuit against the consumer seeking an entirely different amount of $625.55.
Feeling harassed by Armada Corp. of Nevada, she hired an attorney and sued the firm for allegedly violating her rights by:
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Armada Corp. of Nevada are:
Seeing them on your caller ID means that Armada Corp. of Nevada is trying to reach you. If they attempt to collect varying amounts from you, don’t be confused or distressed. Hire a consumer lawyer, file a claim against Armada Corp. of Nevada, and make them pay.
You could be awarded $1000 in statutory damages plus punitive damages and reasonable attorney fees. They will never admit to it, but when a debt collector mistreats you, you have the standing to fight back.
Case taken from PACER (pacer.gov). File number is Case 2:14-cv-02164-GMN-NJK from the United States District Court for the District of Nevada.
*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 Armada Corp. of Nevada or any other third-party collection agency, you may not be entitled to any compensation.