Are you struggling in credit card debt? Are rude and unsympathetic debt collectors snapping at your heels? You aren’t the only one. The unfortunate reality is that millions of people have to use their credit cards to make ends meet and accrue a debt they have no means of repaying.
When collection agencies become abusive, it adds to the stress and anxiety. You don’t have to live like this: the law protects you when debt collectors go too far.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal law that prevents a third-party debt collector from bullying or deceiving consumers to collect a debt. If a collection agency violates the FDCPA by using tactics like those below, you may seek relief that includes statutory damages of up to $1,000.
- Trying to get more money from you than you really owe
- Speaking to you in an abusive manner
- Calling your family and friends in an attempt to embarrass you into paying
- Calling you at work when they know your employer prohibits such calls
- Threatening to sue you on a debt barred by the statute of limitations.
- Threatening to garnish your wages without a court order
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Company Profile: Betz-Mitchell Associates, Inc.
If you are being called by Betz-Mitchell Associates, Inc., details about the firm and its history are below.
Betz-Mitchell Associates, Inc. is a debt collection agency located in Westbury, New York. It was founded in 1999, employs around 50 people, and is managed by its CEO, Eric Salmeron. Judging by the website, the agency appears to specialize in healthcare debt collections.
Litigation records on file at the PACER website indicates that consumers who thought they were being harassed by Betz-Mitchell Associates, Inc. filed lawsuits demanding both statutory and punitive damages.
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Alleged Violations against Betz-Mitchell Associates, Inc.
According to PACER, on or around March 10th, 2016 Betz-Mitchell Associates, Inc. sent a collection letter to a New York consumer demanding a “Balance Due” of $97.35.
The “Balance Due” in this case was for an amount that included original principal and contractual interest, and the letter did not indicate that the balance could increase due to accumulating interest.
Feeling harassed by Betz-Mitchell Associates, Inc., the consumer took the company to court, claiming that it had used false, deceptive and misleading means to collect a debt. The matter was later dismissed.
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Hire a Consumer Lawyer
The phone numbers for Betz-Mitchell Associates, Inc. are:
When these numbers appear on your caller ID, Betz-Mitchell Associates, Inc. is trying to reach you. If they send you letters that are unclear about how much you owe, hire a consumer lawyer to help you prepare and file a claim against Betz-Mitchell Associates, Inc.
If you win your case, the result may be both punitive and statutory damages being awarded and even your lawyer fees paid for by the collection agency.
Case taken from PACER (pacer.gov). File number is Case 1:17-cv-01289-MKB-PK from the United States District Court for the Eastern District of New York.
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Additional Resources
*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 Betz-Mitchell Associates, Inc., or any other third-party collection agency, you may not be entitled to any compensation.