Debt can overwhelm anyone. If you lose your job or are unexpectedly faced with an expensive divorce or separation, it can become impossible to pay your debts and keep a roof over your head at the same time. Unfortunately, you’ll rarely receive sympathy from the debt collectors assigned to your accounts.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, has firm guidelines about what debt collectors may say or do to settle a debt. Approaches like those listed below are illegal when used to collect money from you.
- Using profane and obscene language
- Talking to third parties about the debt
- Failing to properly validate the debt
- Harassing you over a debt that isn’t yours
- Persisting in calling you even after you dispute the debt
- Demanding payment for a time-barred debt
Company Profile: Coast to Coast Financial Solutions, Inc.
If you are being called by Coast to Coast Financial Solutions, Inc., a company overview is below.
Coast to Coast Financial Solutions, Inc. is a collection agency in Thousand Oaks, California. It was founded in 2002, has 10 employees, and is managed by Quetzalli Herrera. Digital litigation records indexed at the PACER website show that those who felt harassed by Coast to Coast Financial Solutions, Inc. acted on their right to sue.
Alleged Violations against Coast to Coast Financial Solutions, Inc.
According to PACER, in or around September 2013, Coast to Coast Financial Solutions, Inc. contacted a Colorado consumer to collect a debt related to a waste management service. The collector allegedly told her that she had to pay the debt or else it would remain on her account at the credit bureaus indefinitely.
The consumer disputed the account, but when she checked her credit report, the debt was allegedly not reported as disputed.
Feeling harassed by Coast to Coast Financial Solutions, Inc., the consumer filed a claim against the agency for:
- Using misleading means to collect a debt
- Reporting inaccurate information to the credit bureaus
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you see them on your caller ID at home or work, you are being called by Coast to Coast Financial Solutions, Inc. If you dispute a debt and they don’t update your credit record, hire a consumer lawyer and file a claim against Coast to Coast Financial Solutions, Inc. If you win, you could potentially receive $1,000 per FDCPA violation, which sends the message that collecting a debt is legal, but deception is not.
*Case taken from PACER (pacer.gov). File number is Case 1:14-cv-02584-DDD-KMT from the United States District Court for the District of Colorado.
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 Coast to Coast Financial Solutions, Inc. or any other third-party collection agency, you may not be entitled to any compensation.