No one wants to deal with a debt collector, and if the agency is aggressive, manipulative, and abusive, the situation can be unbearable. Before considering bankruptcy, get a free case review from a consumer lawyer and consider taking action against the agency.
Your Rights Under the FDCPA
Since 1977, collection agencies have been prohibited by the Fair Debt Collection Practices Act from using methods like the following to collect money. Although illegal, these tactics remain in use because too many people prefer to pay up rather than fight back.
- Threatening to publish your name on a debtor’s list
- Cursing and swearing
- Saying that they will file a lawsuit that day if you don’t pay
- Trying to collect when you refuse to pay
- Refusing to provide you with information about the debt upon request
- Demanding payment for a time-barred debt
Company Profile: Bullseye Collection Agency
If you are being called by Bullseye Collection Agency, an overview of the company is below.
Bullseye Collection Agency, which also does business as Bullseye Financial, is a debt collection office located in Monticello, Minnesota. It was established in 2003, employs fewer than 10 people, and is overseen by John Twardy. Digitized records at the PACER legal archive confirms that those who believed Bullseye Collection Agency took their case to court.
Alleged Violations against Bullseye Collection Agency
According to PACER, on or around October 16, 2015, Bullseye Collection Agency sent a collection letter to a Minnesota consumer. It was followed by a December 19, 2015 letter listing a balance due of $530.08. That letter also stated “Your file will be closed in our office if we do not receive payment in full or arrange acceptable payment from you within 15 days of the date of this letter. This is your last opportunity for us to work with you to arrange a settlement or payment options.”
After reading that statement, the consumer understood and believed that Bullseye Collection Agency did not have the authority to collect the debt, or negotiate a payment, 15 days from the date of the letter. However, on or about January 4, 2016, the agency sent her another collection letter.
In or around January 2016 and continuing thereafter, Bullseye Collection Agency also allegedly called her and left voicemails, not all of which identified the caller as a debt collector.
Feeling harassed by Bullseye Collection Agency, the consumer took the agency to court for using misleading language
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID, Bullseye Collection Agency is trying to reach you. If they send misleading collection letters and don’t properly identify themselves as a collection agency, get a free case review from a consumer lawyer and file a claim against Bullseye Collection Agency. The company could be ordered to pay you $1,000 per FDCPA violation. Owing a debt does not entitle collectors to abuse you, and if they do, consequences can result.
*Case taken from PACER (pacer.gov). File number is CASE 0:16-cv-03106-JRT-SER from the United States District Court for the District of Minnesota.
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 Bullseye Collection Agency or any other third-party collection agency, you may not be entitled to any compensation.