We use credit to buy homes and cars. When financial problems leave us unable to pay back all that debt, collection agencies will soon start demanding payment. Many of them are pushy and aggressive, hoping that we won’t attempt to fight for our rights by getting a free case evaluation from a consumer lawyer.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) imposes strict rules on how debt collectors may collect a debt from you. It prohibits bullying methods like those below, and any collection agency that uses them can be fined and closed down.
- Threatening action they are not in a position to legally take
- Claiming that you can go to jail for fraud
- Using profane or obscene language
- Demanding payment for a debt discharged in bankruptcy
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Misrepresenting how much you owe
Company Profile: CFAM Financial Services, LLC
If you are being called by CFAM Financial Services, LLC, here is some additional information about the company.
CFAM Financial Services, LLC is a collection agency in Dallas, Texas. It opened for business in 2009, has 10 employees, and is managed by Greg England. The agency has an F rating with the Better Business Bureau. A case file review at the PACER website shows that people who felt harassed by CFAM Financial Services, LLC filed claims.
Alleged Violations against CFAM Financial Services, LLC
According to PACER, on or around June 1, 2018, CFAM Financial Services, LLC sent a collection letter to a New York consumer seeking payment for a defaulted auto loan. On November 6, 2018, her attorneys sent a letter to the agency stating that the consumer had legal representation and seeking validation of the debt. However, on May 15, 2019, a representative of the company sent her a collection letter directly.
Feeling harassed by CFAM Financial Services, LLC, she filed a claim against the agency for:
- Using deceptive and misleading means to collect a debt
- Contacting her instead of her attorney
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID at any time, be aware that you are being called by CFAM Financial Services, LLC. If they contact you directly when they know you have a consumer lawyer, file a claim against CFAM Financial Services, LLC. If you win, you could be awarded $1,000 per FDCPA violation. When it comes to your rights, debt collectors must obey the law or be put out of business.
*Case taken from PACER (pacer.gov). File number is Case 1:19-cv-04341-FB-ST from the United States District Court for the Eastern District of New York.
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 CFAM Financial Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.