Few things make you feel out of control like a debt collector who chases you relentlessly for money you don’t have. They tell you that they can keep calling until you pay, but that’s not true. The reality is that consumer harassment by third-party debt collectors is illegal and you have the ability to make it stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits third-party collection agencies from embarrassing, threatening, or deceiving consumers into paying a debt. If you are subjected to any of the following types of mistreatment, call an attorney to discuss your next steps.
- Ignoring a written cease communications notice
- Using an autodialer to keep calling your cell phone
- Calling you at inconvenient times and places, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Pretending to be federal agents with a case against you
- Threatening to have you served with court papers at work
- Telling you that they are going to have you arrested
Company Profile: Axis Financial Services, Inc.
If you are being called by Axis Financial Services, Inc., here are some additional details about the company and its history.
Axis Financial Services, Inc. is a debt collection agency located in Carlsbad, California. It opened for business in 2013, has a small staff of 12 employees, and is managed by its CEO, David Oas.
Reviewing the litigation database at the PACER website yields the information that consumers who believed they were being harassed by Axis Financial Services, Inc. decided to fight its claims instead of pay.
Alleged Violations against Axis Financial Services, Inc.
According to PACER, on or around January 5, 2014, Axis Financial Services, Inc. sent a collection letter to a Michigan consumer. It included the statement, “You must pay your account in full immediately,” although such a demand appeared to overshadow his right to dispute the debt.
Feeling harassed by Axis Financial Services, Inc., the consumer hired an attorney and sued the company for the following alleged FDCPA violations:
- Using false and deceptive means to collect a debt
- Overshadowing his dispute rights
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Axis Financial Services, Inc. are:
Any time they appear on your caller ID, it means that a debt collector from Axis Financial Services, Inc. is on the line. If they demand immediate payment when you have 30 days to dispute a debt, don’t pay.
Instead, call a consumer lawyer who can explain your rights and help you file a claim against Axis Financial Services, Inc. When a debt collector makes demands that put you at a disadvantage, filing an FDCPA lawsuit can result in substantial compensation for you.
- Has a Debt Collector Used Profane Language?
- Did a Debt Collector Identify Themselves to a Third-Party?
Case taken from PACER (pacer.gov). File number is Case 2:14-cv-11450-NGE-DRG from the United States District Court for the Eastern District of Michigan, Southern 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 Axis Financial Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.