When you’re having financial problems, demanding calls from a debt collector can make things even worse. If you are being chased by a collection agency that bullies, deceives, and otherwise abuses you, understand that their actions are illegal and you don’t have to tolerate them.
Your Rights Under the FDCPA
A consumer protection law called the Fair Debt Collection Practices Act (FDCPA) grants you certain rights when communicating with debt collectors. If a collection agency uses any of these ruses to bully or deceive you into paying, you can take legal action.
- Calling you at an inconvenient time, such as before 8:00 a.m. and after 9:00 p.m.
- Pretending to be attorneys or police officers intending to sue or arrest you
- Discussing the debt with your friends, family and neighbors
- Using profane and obscene language
- Demanding amounts inflated by ‘service fees’ and other questionable charges
- Ignoring a cease communications letter
Company Profile: Bergstrom Law, Ltd.
If you are being called by Bergstrom Law, Ltd., here are some additional details about the firm.
Bergstrom Law, Ltd. is a debt collection law office located in Las Vegas, Nevada. It opened for business in 2005, has fewer than 10 employees, and is managed by Jeremy T. Bergstrom. According to the firm’s website, it is licensed to practice in Arizona, California, Illinois, and Nevada. Litigation records at the PACER website reveal that consumers who believed that they were being harassed by Bergstrom Law, Ltd. exercised their right to sue.
Alleged Violations against Bergstrom Law, Ltd.**
According to information on the PACER website, on or around May 11, 2017, Bergstrom Law, Ltd. filed a collection lawsuit against a Nevada consumer. He asserted that his last payment on the debt was in 2008, making it legally uncollectible after 2014. However, Bergstrom Law, Ltd. stated that the debt arose from a “Loan Request/Credit Agreement” executed on or about August 29, 2016.
Feeling harassed by Bergstrom Law, Ltd., the consumer sued the firm for:
- Trying to collect a time-barred debt
- Using false, deceptive, and misleading means to collect a debt
- Misrepresenting the character, amount, or legal status of the debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for this debt collection law office is 1-702-333-0007. If it flashes on your caller ID, Bergstrom Law, Ltd.is on the line. If they sue you to collect a time-barred debt and cause you to incur expenses defending the action, hire a consumer lawyer and file a claim against Bergstrom Law, Ltd.. You could receive $1,000 per violation of your rights plus compensation for reasonable attorney’s fees and court costs. When you stand up to an aggressive or deceptive debt collector, the law is on your side.
**Case taken from PACER (pacer.gov). File number is Case 2:17-cv-01971-JAD-VCF from the United States District Court for the District of Nevada.
*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 Bergstrom Law, Ltd. or any other third-party collection agency, you may not be entitled to any compensation.