With student loans, medical bills, and credit cards, most Americans carry some level of consumer debt. When job loss or illness occur, debt can quickly become overwhelming and can be turned over to debt collectors who are not always ethical when going after payments.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act was passed to stop debt collectors from taking extreme measures. Any collection agency that uses tactics like the following to get money can be fined thousands of dollars and even lose their license:
- Threatening legal actions it had no intention of taking
- Demanding payment for a debt discharged in bankruptcy
- Harassing you over a debt that isn’t yours
- Harassing you by phone (calling and hanging up)
- Cursing and swearing
- Collecting from you during the dispute period
Company Profile: Cooling & Winter, LLC
If you are being called by Cooling & Winter, LLC, an agency overview is below.
Cooling & Winter, LLC is a debt collection law office in Marietta, Georgia. It opened for business in 2016, employs 171 people, and is overseen by Joseph Cooling. The company has a B rating with the Better Business Bureau. The PACER legal archive holds records showing that those who believed Cooling & Winter, LLC was harassing them hired a consumer lawyer to help them fight back.
Alleged Violations against Cooling & Winter, LLC
According to PACER, on or about November 11, 2019, a Florida consumer entered into a payment agreement Cooling & Winter, LLC to pay the sum of $3,086.89 via monthly installments. He alleged that after two payments, the firm withdrew the balance from his account, causing him to incur overdraft fees.
Feeling harassed by Cooling & Winter, LLC, he got a free case review from a consumer lawyer before suing the firm for withdrawing the debt balance from his account without his permission or a court order.
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection law office are:
If they show up on your caller ID, be warned that Cooling & Winter, LLC may be trying to collect a debt from you. If they fail to honor the terms of a repayment arrangement, hire a consumer lawyer and file a claim against Cooling & Winter, LLC. You could win $1,000 per violation as well as legal expenses related to the action, so take a stand now.
*Case taken from PACER (pacer.gov). File number is Case 6:20-cv-00669-CEM-EJK from the United States District Court for the Middle District of Florida.
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 Cooling & Winter, LLC or any other third-party collection agency, you may not be entitled to any compensation.