Are you getting calls from debt collectors first thing in the morning and late at night? Do they call you names and threaten to have you arrested for not paying your bills? This type of treatment would upset anyone, which is why there are laws in place to protect you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from third-party debt collectors who try to abuse them into paying a debt. It restricts what collection agencies can do when communicating with you and prohibits actions like the following:
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Demanding amounts that exceed the original debt total
- Intentionally reporting false information to the credit bureaus
- Contacting you directly after you have retained an attorney
- Refusing to validate the debt and prove that they are authorized to collect it
- Leaving voice messages that do not identify the collector and the purpose of their call
Company Profile: ATG Credit, LLC
If you are being called by ATG Credit, LLC, some background information on the agency has been assembled.
ATG Credit, LLC is a debt collection agency located in Chicago, Illinois. It was established in 2000, has approximately 20 employees, and is managed by owner Andrew Twyman.
Consumer litigation records at the PACER website indicate that people who felt they were being harassed by ATG Credit, LLC hired legal counsel to assist them in fighting back.
Alleged Violations against ATG Credit, LLC
According to PACER, in or around July 2016, ATG Credit, LLC started trying to collect a student loan debt from a Florida consumer by reporting it to multiple credit bureaus.
Around November 24, 2017, the consumer disputed the debt with Equifax, which sent ATG Credit, LLC an Automated Consumer Dispute Verification (ACDV) request asked that the company make a reasonable investigation into the dispute.
On or around December 15, 2017, it responded to the ACDV and stated that its information was accurate and should remain unchanged.
Around January 16, 2018, the consumer disputed the debt again to Equifax, so Equifax sent ATG Credit, LLC another ACDV. On or around February 3, 2018, the company repeated that its information was accurate and should remain unchanged, but allegedly failed to update its reporting to reflect a “disputed” status.
Feeling harassed by ATG Credit, LLC, the consumer obtained legal counsel and sued the company for allegedly:
- Failing to report the debt as disputed
- Using unfair and unconscionable means to collect a debt
- Using false and deceptive means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for ATG Credit, LLC are:
If any of them flash on your caller ID when the phone rings, it is confirmation that ATG Credit, LLC is trying to collect an account from you. If you dispute a debt and they fail to report the fact to the credit bureaus, hire a consumer lawyer who can advise you on how to file a claim against ATG Credit, LLC.
The FDCPA requires all collection agencies that violate its rules to pay the consumer $1,000 per violation plus legal fees, so do not tolerate abuse when the law gives you better options.
Case taken from PACER (pacer.gov). File number is Case 8:18-cv-00984-RAL-CPT from the United States District Court for the Middle District of Florida, Tampa 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 ATG Credit, LLC or any other third-party collection agency, you may not be entitled to any compensation.