Debt collectors often go too far because they are paid according to how much they collect. This reality can motivate them to indulge in aggressive and harassing behavior, but such conduct is illegal and you can make them stop.
Your Rights Under the FDCPA
While debt collectors are allowed to contact you and attempt to collect a debt, the Fair Debt Collection Practices Act (FDCPA) makes it illegal for them to use unethical actions like the following:
- Using profane and obscene language
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you several times per day using an autodialer
- Threatening harm to your person, property, and / or credit rating
- Telling you that you can be imprisoned if you don’t pay
- Reporting false information to the credit bureaus
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Company Profile: AutoVest, LLC
If you are being called by AutoVest, LLC, here are some additional company details.
AutoVest, LLC is a motor vehicle debt collection agency located in Wyandotte, Michigan. It was established in 2003, has 37 employees, and is managed by owner Kimberlee Basha. Legal files maintained by the PACER website records indicate that consumers who felt that they were being harassed by AutoVest, LLC sued the company in response.
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Alleged Violations against AutoVest, LLC*
According to information on the PACER website, on or around December 14, 2012, AutoVest, LLC sent a collection letter to an Illinois consumer. It stated that the balance on the debt was $0.00 as of December 14, 2012, but on December 18, 2013, a company named Central Credit Services, Inc. sent her a letter, on behalf of Autovest, stating that she owed $7,105.06 for the same obligation.
Feeling harassed by AutoVest, LLC, the consumer hired a lawyer and sued the company for:
- Using misleading means to collect a debt
- Misrepresenting how much she owed
The case was later settled.
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Hire a Consumer Lawyer
The phone numbers for AutoVest, LLC are:
If they appear on your caller ID, you are being called by AutoVest, LLC, presumably about an unpaid car loan. If they sent collection letters that mislead you regarding how much you owe, hire a consumer lawyer and get them to help you file a claim against AutoVest, LLC. You could be awarded $1,000 per FDCPA violation because you have rights no matter how much you owe.
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Additional Resources
*Case taken from PACER (pacer.gov). File number is Case: 1:13-cv-08970 from the United States District Court for the Northern District of Illinois, Eastern 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 AutoVest, LLC or any other third-party collection agency, you may not be entitled to any compensation.