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: Brachfield & Associates
If you are being called by Brachfield & Associates, below is a company overview.
Brachfield & Associates, which also does business as the Brachfield Law Group, is a collection agency in Houston, Texas. It opened for business in 2011, has 700 employees, and is managed by John A. Erickson Jr. An inspection of the files maintained at the PACER website confirms that those who felt that they were being harassed by Brachfield & Associates hired a lawyer and pushed back.
Alleged Violations against Brachfield & Associates*
According to PACER, in or around June 2009, Brachfield & Associates allegedly started making regular and harassing phone calls to the cell phone of a California consumer. She complained that debt collectors also contacted her son, who did not live with her. When she told them they had the wrong number, they allegedly continued to call.
Feeling harassed by Brachfield & Associates, the consumer sued the agency for:
- Harassing her over someone else’s debt
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
The case was later settled.
Hire a Consumer Lawyer
The phone number for Brachfield & Associates is 1-866-836-8907. If you ever see it on your caller ID, take note because it means that you are being called by Brachfield & Associates. If they call you nonstop over someone else’s debt, hire a consumer lawyer and file a claim against Brachfield & Associates. If you win your case, you could receive $1,000 per FDCPA violation, which is intended to compensate you as well as punish collection agencies that cross the line.
*Case taken from PACER (www.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.