Are debt collectors calling you so early that they wake you out of bed? Do they even call you at work and ask to speak to your boss? If the answer is yes, the company they work for has gone too far and you can take legal action.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you from unfair, intrusive, and unwanted communications from third party collection agencies. If you are subjected to actions like the following, you can take legal action against the debt collection.
- Swearing, yelling, and calling you names
- Contacting you after you have sent a cease and desist letter
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Using an autodialer
- Failing to identify themselves as debt collectors
- Calling you at work
Company Profile: Atlantic Collection Agency
If you are being called by Atlantic Collection Agency, more information about the company's operations is below.
Atlantic Collection Agency is a debt collection agency located in East Lyme, Connecticut. It was founded in 1986, has 20 employees, and is managed by its President, Kevin Brahm. Lawsuit records archived at the PACER website records suggest that consumers who felt that they were being harassed by Atlantic Collection Agency chose to bring the matter to court.
Alleged Violations against Atlantic Collection Agency*
According to information on the PACER website, in or around October 2014, Atlantic Collection Agency began calling a Connecticut consumer to collect a medical debt. She told them to stop calling, as the calls upset her terminally-ill husband and she could not afford to pay the debt, but collectors allegedly kept contacting her.
Feeling harassed by Atlantic Collection Agency, the consumer sued the company for:
- Using harassing means to collect a debt
- Harassing her by phone
- Using unfair and unconscionable methods to make her pay
The case was later settled.
Hire a Consumer Lawyer
The phone numbers for Atlantic Collection Agency are:
If you ever see them on your caller ID, you are being called by Atlantic Collection Agency and should seek legal advice. If they keep calling after you have refused to pay the debt, hire a consumer lawyer and get them to help you file a claim against Atlantic Collection Agency. You could receive statutory and punitive damages that add up, so when a collection agency tries to take advantage of you, stand your ground.
*Case taken from PACER (pacer.gov). File number is Case 3:15-cv-01639-AVC from the United States District Court for the District of Connecticut.
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 Atlantic Collection Agency or any other third-party collection agency, you may not be entitled to any compensation.