No one deserves to be abused for owing money, but this is what happens to indebted consumers every day. Debt collectors yell at them, make threats, and in general hound them until they pay, declare bankruptcy, or fight for their rights.
Your Rights Under the FDCPA
The Fair Debt Collections Practices Act (FDCPA) requires third-party collection agencies to treat you with dignity, respect, and fairness. If they use these methods to collect a debt, the regulatory consequences can be substantial.
- Swearing and raising their voice to you over the phone
- Calling your relatives and telling them that they are trying to collect money from you
- Saying that they have a warrant for your arrest and only a debt payment will cancel it
- Ignoring a written request to stop calling you
- Failing or refusing to validate the debt
- Trying to collect a debt you do not owe
Company Profile: Buffaloe & Associates
If you are being called by Buffaloe & Associates, a general firm background is below.
Buffaloe & Associates is a debt collection law office located in Nashville, Tennessee. It was founded in 1980, has 25 employees, and is managed by its owner, John Buffaloe, Jr. A close review of litigation records at the PACER website indicates that consumers who believed that they were being harassed by Buffaloe & Associates went to court to enforce their rights.
Alleged Violations against Buffaloe & Associates*
According to information on the PACER website, on February 19, 2009, Buffaloe & Associates sent a collection letter to a Tennessee consumer. The letter contained information stating that the firm communicated with affiliated financial services companies in connection with administering and collecting accounts, although they could not legally do so.
Feeling harassed by Buffaloe & Associates, the consumer filed an FDCPA lawsuit against the firm for:
- Using false, deceptive, and misleading means to collect a debt
- Contacting third parties about the debt
- Threatening action it cannot legally take
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection law office is:
If you ever notice either of them on your caller ID, it means that you are being called by Buffaloe & Associates. If they communicate information about your debt to unauthorized third parties, hire a consumer lawyer and file a claim against Buffaloe & Associates. When a debt collector ignores your rights, compensation may include $1,000 per violation plus legal costs and attorney fees. Treating you like you have no power in the matter is a mistake.
*Case taken from PACER (www.pacer.gov). File number is Case 2:09-cv-00227-JRG-HBG from the United States District Court for the Eastern District of Tennessee at Greenville.
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 Buffaloe & Associates or any other third-party collection agency, you may not be entitled to any compensation.