If you are in debt, you’re one of millions of people in the same position. No matter how much you owe, collection agencies must be civil when collecting it, or risk being subjected to major financial penalties. They won’t tell you that, however. They would prefer you not realize that you have rights in these cases.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits abusive debt collection practices. If a debt collector tries any of the tactics below to make you pay, they have broken the law and you can seek compensation.
● Raising their voice and threatening you
● Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
● Refusing to provide you with information about the debt
● Impersonating law enforcement
● Use abusive, obscene, or profane language
● Publicly identifying you as an alleged debtor
Company Profile: Booth and Associates, PC
If you are being called by Booth and Associates, PC, here are some additional agency details.
Booth and Associates, PC is a debt collection agency located in Virginia Beach, Virginia. It was established in 2004, has fewer than 10 employees, and is managed by Jeffrey Booth. Litigation records at the PACER website reveal that consumers who believed that they were being harassed by Booth and Associates, PC went after the agency for compensation.
Alleged Violations against Booth and Associates, PC*
According to information on the PACER website, on or around January 28, 2008, Booth and Associates, PC allegedly tried to collect a debt from an Iowa consumer by leaving a voice message that referenced civil litigation. When the consumer called back, he told the collector that he could not come up with the $2,000 demanded, whereupon the collector allegedly yelled at him and asked if he was “f*cking retarded.”
On January 29, a collector spoke with the consumer’s wife and allegedly stated that the account was marked for a lawsuit and state and federal background checks were being done on her husband. On January 31, another collector allegedly told her that the debt was increasing at 5% per day and that her house would be seized and wages garnished if it wasn’t paid. The collector also allegedly demanded that she pay $400 immediately or litigation would commence.
Calls were also allegedly made to the consumer’s mother and sister.
Feeling harassed by Booth and Associates, PC, the consumer engaged counsel and sued the company for:
● Using harassing and abusive means to collect a debt
● Misrepresenting the amount owed
● Threatening action that cannot legally be taken
● Using unfair and unconscionable means to collect a debt
A judge awarded the consumer and his wife $2,000 in statutory damages, $2,240 in legal fees, and $385 in costs.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you see these numbers on your caller ID, you are being called by Booth and Associates, PC. If they use bullying and abusive tactics to scare you into paying a debt, hire a consumer lawyer and file a claim against Booth and Associates, PC. You could be awarded $1,000 per FDCPA violation in addition to your court costs and attorney fees, so standing up for yourself can both stop the harassment and get you the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is Case 4:08-cv-00061-HDV-CFB from the United States District Court for the Southern District of Iowa, Central 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 Booth and Associates, PC or any other third-party collection agency, you may not be entitled to any compensatio