While creditors are often understanding if you miss the odd payment, if you lose your job and can’t afford to maintain the minimum payments, the situation changes. Your accounts will be handed over to a collection agency that won’t likely be sympathetic about your situation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act prohibits actions like the following during a debt collection attempt, but unfortunately, many debt collectors are not deterred. If that happens, get a free case review from a consumer lawyer and fight back.
- Leaving voice messages that do not identify them as debt collectors
- Failing to report your dispute to the credit bureaus
- Adding illegal service fees to the original debt
- Calling your relatives and friends about the debt
- Shouting at you over the phone
- Using an autodialer to call you
Company Profile: Credit Systems of the Fox Valley
If you are being called by Credit Systems of the Fox Valley, an agency overview is below.
Credit Systems of the Fox Valley is a debt collection agency in Neenah, Wisconsin. It was founded in 1931, employs 20 people, and is overseen by Patrick Rohrer. The PACER legal archive includes litigation records showing that those who believed Credit Systems of the Fox Valley was harassing them took their case to court.
Alleged Violations against Credit Systems of the Fox Valley
According to PACER, in or around early 2013, Credit Systems of the Fox Valley allegedly contacted a Wisconsin consumer and threatened to garnish her wages and take legal action if she did not pay. The consumer also claimed that collectors threatened consequences if she did not pay during the dispute period.
Feeling harassed by Credit Systems of the Fox Valley, she sued the agency for:
- Making threats that it lacked the legal standing to act on
- Using abusive language
- Violating her dispute rights
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they show up on your caller ID, the calls are from Credit Systems of the Fox Valley. If they try to threaten you into paying, get a free case review from a consumer lawyer and file a claim against Credit Systems of the Fox Valley. You could win statutory damages of $1,000 per violation, so when a debt collector takes liberties, you have the ability to push back.
*Case taken from PACER (pacer.gov). File number is Case 1:13-cv-00325-AEG from the United States District Court for the Eastern District of Wisconsin, Green Bay 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 Credit Systems of the Fox Valley or any other third-party collection agency, you may not be entitled to any compensation.