Are you being called by Audit Systems, Inc.?* Here's what you need to know.
Once you miss a certain number of debt payments, the creditors will eventually assign your accounts to a third-party collection agency. When these companies attempt to collect the outstanding balance, they may use means that are demeaning or harassing. If they do, know your rights and prepare to fight back.
Your Rights Under the FDCPA
The Federal Trade Commission (FTC) regulates the activities of third-party collection agency activities via the Fair Debt Collection Practices Act or FDCPA. This consumer protection law prohibits actions like those below when used to collect a debt.
- Calling you at work after you’ve told them that you aren’t allowed to talk to them there
- Failing or refusing to identify themselves as debt collectors in every communication
- Threatening legal actions that they have no intention of taking
- Pretending to be police officers, government officials, or any other law enforcement figure
- Trying to collect an amount not authorized by law or by the original creditor agreement
- Cursing at you and calling you names
Company Profile: Audit Systems, Inc.
If you are being called by Audit Systems, Inc., information about the company is below.
Audit Systems, Inc. is a debt collection company located in Clearwater, Florida. It opened in 1975, is a smaller operation with less than 20 employees, and is managed by its CEO, William H. Horwitz. According to records retained at the PACER (Public Access to Court Electronic Records) website, people who felt that they were being harassed by Audit Systems, Inc., Inc. refused to pay money they did not believe they owed.
Alleged Violations against Audit Systems, Inc., Inc.
Maranda Woodward vs. Audit Systems, Inc.*
According to PACER, on or about March 24, 2017, Audit Systems, Inc. allegedly sent a collection letter to Wisconsin resident Maranda Woodward regarding an auto loan. It stated, in part,
If the account is outstanding due to a billing error or other problem, please feel free to contact one of our service representatives with questions at 1-800-741-1969 during business hours of Monday through Thursday 8:00am - 9:00pm EST, and Friday 8:00am - 7:00pm EST.
These instructions overshadowed the FDCPA debt validation notice, which requires disputes to be in writing.
Feeling harassed by Audit Systems, Inc., Ms. Woodward hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Giving her incorrect instructions about her dispute rights
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of these numbers flash on your caller ID when the phone rings, it means that you are being called by Audit Systems, Inc.. If they mislead you about your dispute rights, hire a consumer attorney who can help you file a claim against Audit Systems, Inc.. If your claim is successful, you could be awarded $1,000 per FDCPA violation plus court costs and attorney fees, so when a collection agency abuses your rights, let the law help you seek the compensation you are entitled to.
*Case taken from PACER (www.pacer.gov). File number is Case 2:17-cv-00736-JPS from the United States District Court for the Eastern District of Wisconsin, Milwaukee 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 Audit Systems, Inc. or any other third-party collection agency, you may not be entitled to any compensation.