When you fall behind on your monthly debts because you lost your job or a divorce, the subsequent calls from debt collectors can make you feel even worse. Not only can’t you pay them, but they are verbally abusing you and threatening to garnish your wages or seize your home. These threats are neither ethical nor legal, so learn more about your rights.
Your Rights Under the FDCPA
Before the Fair Debt Collection Practices Act, or FDCPA, was enacted to protect indebted consumers from predatory debt collectors, abuse was so rampant that it was practically normal. Today, actions like those below can get a collection agency fined and even closed down.
- Calling you at all hours of the day and night
- Yelling at you over the phone
- Chasing you for a time-barred debt
- Inflating the debt with unreasonable collection fees and service charges
- Threatening consequences they have no intention of carrying out
- Calling your friends and family to tell them that you owe a debt
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Company Profile: C. Barry & Associates
If you are being called by C. Barry & Associates, a general company background is below.
C. Barry & Associates is a debt collection law office located in Huntington Station, New York. It was incorporated in 2005, has fewer than 10 employees, and is managed by its owner, C. Barry. The PACER website records include holdings suggesting that consumers who believed that they were being harassed by C. Barry & Associates hired lawyers and fought back.
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Alleged Violations against C. Barry & Associates*
According to information on the PACER website, in or around March 2011, C. Barry & Associates allegedly began contacting a Michigan consumer and his mother to collect a debt. She claimed that callers told her about the debt, which was owed by her son, and threatened legal action against him if it were not paid.On August 31, 2011, one representative allegedly told her that her son had to be in court that day in Cook County, Illinois.
Feeling harassed by C. Barry & Associates, both consumers sued the company for:
- Using false, deceptive, and misleading means to collect a debt
- Using harassing and abusive means to collect a debt
- Threatening action it cannot legally take
A judge ordered the agency to pay the consumers $12,000 plus $3,718.85 in legal fees.
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Hire a Consumer Lawyer
The phone numbers for this debt collection law office are:
Their presence on your caller ID confirms that C. Barry & Associates is calling you. If they harass your friends and family to bully you into paying a debt, hire a consumer lawyer and file a claim against C. Barry & Associates. When a debt collector makes illegal demands, filing an FDCPA lawsuit can result in substantial compensation for you.
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Additional Reading
*Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-00062-JTN from the United States District Court for the Western District of Michigan, Southern 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 C. Barry & Associates or any other third-party collection agency, you may not be entitled to any compensation.