Every time the phone rings, you worry that it’s the debt collection agency calling again. They yell at you because you can’t afford to pay your overdue credit card bill, not since you lost your job and failed to find another one. Fortunately, there are legal ways to make them stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from aggressive debt collection practices. Under this law, actions like the following are illegal when used to collect a debt.
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m.
- Pretending to be members of law enforcement
- Discussing the debt with anyone except you, your spouse, or your attorney
- Calling you names like loser or deadbeat
- Reporting false information to the credit bureaus
- Illegally re-aging the debt to make it valid once more
Company Profile: Balekian Hayes, PLLC
If you are being called by Balekian Hayes, PLLC, here are some additional firm details.
Balekian Hayes, PLLC is a law office and collection agency in Dallas, Texas. It was established in 2009, has seven employees, and is managed by Kris Balekian Hayes. Archived consumer litigation records at the PACER website suggest that those who felt harassed by Balekian Hayes, PLLC chose to act on their rights.
Alleged Violations against Balekian Hayes, PLLC
According to PACER, in or around July 2016, Balekian Hayes, PLLC filed a suit against a Texas consumer in Guadalupe County, Texas, allegedly to collect a debt. She asserted that she had not lived there since May.
Feeling harassed by Balekian Hayes, PLLC, the consumer got a free case evaluation from a consumer lawyer before suing the firm for initiating a collection lawsuit in a county where she did not reside.
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection firm is 1-214-849-1905. If it shows up on your caller ID, you are being called by Balekian Hayes, PLLC. If they file a collection lawsuit in a county where you don’t live, hire a consumer lawyer and file a claim against Balekian Hayes, PLLC. You could receive $1,000 per FDCPA violation, so when a collection agency goes too far, assert your rights and be compensated in the process.
*Case taken from PACER (pacer.gov). File number is Case 5:17-cv-00732-DAE from the United States District Court for the Western District of Texas, San Antonio 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 Balekian Hayes, PLLC or any other third-party collection agency, you may not be entitled to any compensation.