When you sweat every time the phone rings, it’s a sign that the debt collector assigned to your account has gone too far. Swearing, threatening, and acts of humiliation are common tactics used by collection agencies, but they’re illegal, and there are steps you can take to make it stop.
Your Rights Under the FDCPA
The Fair Debt Collections Practices Act (FDCPA) that contains specific guidelines for what a debt collector can and cannot do when communicating with you. It also provides you with legal remedies for you if a collection agency violates your rights by doing any of the following:
- Failing to identify themselves during each communication as a debt collector seeking to collect a debt
- Using obscene and threatening language
- Telling the debtor’s friends, neighbors, and uninvolved family members about the debt
- Failing to report a debt as disputed to the credit bureaus
- Failing or refusing to validate the debt
- Pursuing a debt that was discharged in bankruptcy
Company Profile: Aurora, Gold & Associates
If you are being called by Aurora, Gold & Associates, more information about the company you’re dealing with is below.
Aurora, Gold & Associates is a debt collection company located in Williamsville, New York. It was founded in 2006, has fewer than 10 employees, and is managed by owner William Crawford. According to its website, the agency has an on-site attorney to handle claims. Records at the PACER website suggest that consumers who believed that they were being harassed by Aurora, Gold & Associates did not cave in to threats.
Alleged Violations against Aurora, Gold & Associates*
According to information on the PACER website, in or around July 18, 2007, Aurora, Gold & Associates sent a collection letter to a Massachusetts consumer. It was followed by a phone call in March 2008. The representative, who allegedly identified himself as Ken Roberts, demanded that she pay $1,200 toward the debt. When the consumer replied that she did not have that amount of money, Roberts allegedly stated that she would be sued.
In other telephone calls, Aurora representatives allegedly accused her of having committed a felony due to one or more checks which did not clear the bank.
Feeling harassed by Aurora, Gold & Associates, the consumer sued the company for:
- Using false, deceptive, and misleading means to collect a debt
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Threatening action it cannot legally take
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Seeing any of them on your caller ID confirms that Aurora, Gold & Associates is trying to reach you. If they verbally abuse you and threaten nonexistent lawsuits, hire a consumer lawyer and file a claim against Aurora, Gold & Associates. You could be awarded $1,000 per violation plus court costs and attorney fees, so when a collection agency tries to threaten you, filing an FDCPA lawsuit can penalize them for it.
*Case taken from PACER (www.pacer.gov). File number is Case 1:08-cv-11288-NG from the United States District Court for the District of Massachusetts.
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 Aurora, Gold & Associates or any other third-party collection agency, you may not be entitled to any compensation.