Is Atradius Collections, Inc calling you? Here's what you need to know.
Recent years have been debt grow 15% faster than household income. Today, the average American household has a $15,000 revolving credit card balance. When you take into consideration the fact that credit card interest has a median rate of 18%, these families are contributing nearly 9% of their annual income towards interest payments each year. When they are unable to keep up, debt collectors will soon start calling, and not all of them rank consumer rights as a priority.
Your Rights Under the FDCPA
A consumer protection law called the Fair Debt Collection Practices Act, or FDCPA, regulates what third party debt collectors may say and do while trying to collect a consumer debt. Collection tactics like those below are against the law and can result in fines or license revocation.
- Using profane or obscene language
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Contacting you directly even after you’ve hired an attorney to represent you in the matter
- Reporting false information to the credit bureaus
- Ignoring a formal cease communications request
Company Profile: Atradius Collections, Inc
Atradius Collections, Inc is a debt collection agency with a presence in 25 countries. The primary U.S. branch is located in Itasca, Illinois. It was established in 2004, has less than 10 employees, and is managed by its Vice President, Ron Spiegel. Records retained at the PACER (Public Access to Court Electronic Records) website indicates that Atradius Collections, Inc has been accused of using debt collection methods that violate the FDCPA.
Alleged Violations against Atradius Collections, Inc
Denise Kinman vs. Revenue Management Consulting Group et al
According to PACER**, in 2009 Kentucky resident Denise Kinman took out a payday loan from Check N’ Go. She later claimed that this debt had actually been paid in full, but she was harassed by collectors so often in the ensuing years that she paid some of them just to stop the harassment.
On or about April 9, 2014, an Atradius Collections, Inc who identified themselves as ‘Terry Lewis’ allegedly left Ms. Kinman a voicemail concerning the alleged debt. In this message, Lewis allegedly stated that he needed to speak to her about “an issue” and gave no further information regarding the purpose of the call or the identity of the caller. Ms. Kinman promptly hired a consumer attorney and sued Atradius Collections, Inc for allegedly violating the FDCPA in the following ways:
- Failing to identify itself as a debt collector
- Using false, deceptive and misleading means to collect a debt
- Failing to validate the debt
The matter was later dismissed at a later date.
Hire a Consumer Attorney
The phone numbers for Atradius Collections, Inc are:
If your phone rings and you see either number on your caller ID, be aware that a debt collector is trying to reach you. If they leave voice messages that do not identify the company or its purpose in contacting you, hire a consumer attorney. If you decide to sue, you could potentially be awarded $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. Collecting debts is legal, but deceiving consumers is not.
**Case taken from PACER (www.pacer.gov). File number is (Case: 2:14-cv-00140-WOB-JGW from United States District Court for the Eastern District of Kentucky at Covington)
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Atradius Collections, Inc or any other third-party collection agency, you may not be entitled to any compensation.