When you’re barely able to make ends meet, the last person you want to hear from is a debt collector. It’s stressful enough to go through your day without being yelled at and belittled, but if it does happen to you, you can make it stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects consumers like yourself from debt collectors who assume that you don’t have rights because you owe money. Actions like those below can get an agency shut down.
- Harassing you over a debt that isn’t yours
- Leaving voice messages that do not identify them as debt collectors
- Failing to report your dispute to the credit bureaus
- Adding illegal service fees to the original debt
- Calling your relatives and friends about the debt
- Shouting at you over the phone
Company Profile: Brachfeld & Associates
If you are being called by Brachfeld & Associates, below is a company overview.
Brachfeld & Associates, which also does business as the Brachfeld Law Group, is a collection agency in Houston, Texas. It opened for business in 1981, has 25 employees, and is managed by Erica Brachfeld. PACER website records confirm that those who felt that they were being harassed by Brachfeld & Associates refused to be intimidated.
Alleged Violations against Brachfeld & Associates*
According to PACER, in or around mid-2009, Brachfeld & Associates began contacting a California consumer to collect a debt. She claimed that the firm’s collectors called her at least twice a day and threatened to serve her with a summons. She also complained that calls came in from an unknown number, sometimes after 9:00 p.m., and that she had never received a debt verification package
Feeling harassed by Brachfeld & Associates, the consumer sued the agency for:
- Harassing her by phone
- Using harassing means to collect a debt
- Threatening legal action it did not intend to take
- Not validating the debt
The case was later resolved.
Hire a Consumer Lawyer
The phone number for Brachfeld & Associates is 1-866-836-8907. If you ever see it on your caller ID, you are being called by Brachfeld & Associates. If they threaten lawsuits and call you constantly to stress you into paying the debt, hire a consumer lawyer and file a claim against Brachfeld & Associates. You could be awarded $1,000 per FDCPA violation, even from a debt collection law firm, so stand your ground.
*Case taken from PACER (pacer.gov). File number is Case 2:09-cv-05717-CAS-VBK from the United States District Court for the Central District of California, Western 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 Brachfield & Associates or any other third-party collection agency, you may not be entitled to any compensation.