Is a debt collector making your life miserable by calling every day, talking to your boss and coworkers, and threatening to initiate a stressful and expensive lawsuit. Collecting legitimate debts is not illegal, but harassing and mistreating consumers definitely is.
Your Rights Under the FDCPA
If a debt collector harasses you, they have violated the Federal Debt Collection Practices Act (FDCPA) and you may be entitled to financial damages as well as lawyer’s fees. Examples of illegal behaviors include:
- Using profane and obscene language
- Calling before 8:00 a.m. and after 9:00 p.m.
- Using the telephone to harass you with constant calls
- Pretending to be police officers or federal agents
- Contacting you when they know you have an attorney
- Threatening actions they have no intention of taking
Company Profile: Bosco Credit, LLC
If you are being called by Bosco Credit, LLC, below is an overview of the agency history and operations.
Bosco Credit, LLC, which also does business as Bosco Credit II Trust Series 2010-1, is a collection agency in Jersey City, New Jersey. The company opened for business in 2007, has approximately 10 employees, and is managed by Thomas Axon. The PACER website records confirm that those who felt that they were being harassed by Bosco Credit, LLC took their case to court.
Alleged Violations against Bosco Credit, LLC*
According to PACER, on or around April 24, 2018, Bosco Credit, LLC tried to collect a mortgage debt by filing a foreclosure suit against an Illinois couple. However, the company was allegedly not licensed to collect debts in Illinois.
Feeling harassed by Bosco Credit, LLC, the couple sued the agency for taking legal action it was not authorized to take.
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Bosco Credit, LLC are:
If any of them appear on your caller ID, Bosco Credit, LLC is trying to collect a debt from you. If they sue you and aren’t even licensed to operate in your state, hire a consumer lawyer and file a claim against Bosco Credit, LLC. You could potentially receive $1,000 per FDCPA violation plus any associated costs. When debt collectors cross the line, the law gives you the standing to resist.
*Case taken from PACER (pacer.gov). File number is Case: 1:19-cv-00271 from the United States District Court for the Northern District of Illinois, Eastern 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 Bosco Credit, LLC or any other third-party collection agency, you may not be entitled to any compensation.