Debt collectors are generally allowed to contact you, but there are rules that they have to follow. Although they are not allowed to violate your privacy or bully you, many of them do. If this happens to you, get a free case review from a consumer lawyer who can help you proceed.
Your Rights Under the FDCPA
While debt collectors are allowed to contact you and make arrangements for you to pay a debt, the Fair Debt Collection Practices Act (FDCPA) prohibits them from using actions like the following:
● Using foul language
● Trying to collect amounts that exceed the original debt
● Pretending to be police officers
● Calling at inconvenient times
● Threatening legal action they cannot take
● Contacting you when you are represented by an attorney
Company Profile: Atlas Financial Services
If you are being called by Atlas Financial Services, an agency overview is below.
Atlas Financial Services, which also does business as We Collect, Inc., is a debt collection agency in Vancouver, Washington. It was incorporated in 2000, employs 26 people, and is overseen by Ken Warnes. The PACER legal archive holds records suggesting that those who believed that Atlas Financial Services was harassing them acted on their right to sue.
Alleged Violations against Atlas Financial Services
According to PACER, on or around November 15, 2010, Atlas Financial Services started contacting an Oregon consumer about a medical debt. She said that a collector named ‘Ann’ threatened to garnish her wages and take her home away.
Frightened, the consumer agreed to a payment plan, but Ann allegedly called her again in February 2011 and requested that the payments be increased. Ann also allegedly left a detailed voicemail that was heard by the consumer’s fiance.
Feeling harassed by Atlas Financial Services, she filed a lawsuit against the agency for:
● Making threats about foreclosure and wage garnishment
● Being abusive
● Disclosing details of the debt to a third party
● Contacting her after she requested no more calls
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collector are:
If they appear on your caller ID, it means that Atlas Financial Services may be ignoring your demand to stop calling. If they threaten you and share details about the debt, hire a consumer lawyer and file a claim against Atlas Financial Services. You could be awarded $1,000 plus your attorney fees, so when a collection agency disregards your rights, seek the compensation you are entitled to.
*Case taken from PACER (www.pacer.gov). File number is Case 3:11-cv-01357-ST from the United States District Court for the District of Oregon, Portland Division.
- Did A Collection Agency Make False Statements Regarding Your Debt?
- Are You Being Threatened By A Debt Collection Agency?
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 Atlas Financial Services or any other third-party collection agency, you may not be entitled to any compensation.