Are you being called by BGL Credit Ltd.?* Here's what you need to know
Debt collectors can be unbelievably persistent and intense when it comes to getting your money. Sometimes they are civil and willing to work with you, but other times they are not. They will swear at you, call constantly and threaten to take you to court if you don’t pay. When this happens, it is important to stay firm and know your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which is enforced by the Federal Trade Commission, regulates what third-party debt collectors can say or do when pursuing a debt payment. Actions like those below are illegal and repeat offenders can be shut down.
- Call before 8:00 a.m. and after 9:00 p.m., in your time zone
- Call you at work if they know or have reason to know what such calls are not allowed
- Threaten to have you arrested or garnish your wages
- Using profane and abusive language
- Claiming to be police officials or government agents
- Demanding amounts that exceed the original debt
Company Profile: BGL Credit Ltd.
If you are being called by BGL Credit Ltd. information about the company is below.
BGL Credit Ltd. is a debt collection company located in Woodmere, New York. It was established in 1979, has less than 10 employees, and is managed by its President, Phyllis C. Geist. Although based in New York, it advertises as being able to collect on a national and even international scale. Records on file at the PACER (Public Access to Court Electronic Records) website indicates that consumers who believed they were being harassed by BGL Credit Ltd. did not hesitate to get the courts involved.
Alleged Violations against BGL Credit Ltd.
According to PACER, on May 16, 2012 BGL Credit Ltd. sent a collection letter to two consumers demanding payment for an overdue debt “plus all legal fees and expenses”, the amount of which was not specified. When they did not pay, another letter was sent on June 25, threatening legal action if a response was not received within 10 days. No lawsuit was ever filed.
Feeling harassed by BGL Credit Ltd.,the consumers hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Threatening legal action it did not intend to take
- Misrepresenting the character, amount, or legal status of the debt
- Harassing her by phone
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is 1-516-295-5544. If the phone rings at any time and you see that number on your caller ID, it means that you are being called by BGL Credit Ltd. If they threaten unfounded lawsuits and fail to definitively state the entire debt amount, hire a consumer attorney immediately. If you file a claim against BGL Credit Ltd. and win, you could be awarded $1,000 per FDCPA violation. Never let a collection agency mislead you into believing that you have no rights.
*Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-08756-AKH from the United States District Court for the Southern District of New York.
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 BGL Credit Ltd. or any other third-party collection agency, you may not be entitled to any compensation.