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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By CAC Financial?

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Are you being called by CAC Financial?* Here’s what you need to know

Owing a debt amount that keeps increasing because you can’t afford minimum payments especially if debt collectors are harassing you constantly. You don’t have to tolerate any bullying and humiliation, however. No matter how much debt you may owe, you still have rights as a consumer.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party debt collectors from employing tactics like those below while collecting or attempting to collect a debt. Any collection agency that uses them faces significant sanctions.

  • Using profane and obscene language
  • Threatening harm to your person, property, and / or credit rating
  • Discussing your debt with your friends, neighbors, and co-workers
  • Telling you that you can be imprisoned if you don’t pay
  • Calling at inconvenient times and unreasonable times
  • Reporting false information to the credit bureaus

Is CAC Financial Calling You?

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Company Profile: CAC Financial

If you are being called by CAC Financial, information about the company is below.

CAC Financial is a debt collection company located in Oklahoma City, Oklahoma. It was established in 1943, has approximately 143 employees, and is managed by its President, Porter H. Morgan. Civil litigation records on file at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by CAC Financial began seeking compensation in court.

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Alleged Violations against CAC Financial

Morgan Henderson vs. CAC Financial*

According to PACER, in mid-2010, 2010, CAC Financial started trying to collect a debt from Utah resident Morgan Henderson. Mr. Henderson later complained that when he disputed the debt to the credit bureaus, CAC Financial affirmed its validity.

Feeling harassed by CAC Financial, he hired a consumer attorney and filed a class action suit against the agency for allegedly violating the FDCPA in the following ways:

The matter was later dismissed.

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Hire an Attorney

The phone numbers for this collection agency are:

If you see either one on your caller ID when the phone rings, it’s a warning signal that you are being called by CAC Financial. If they fail to report a debt as disputed, hire a consumer attorney. If you file a claim against CAC Financial with your attorney’s assistance, you could potentially win $1,000 per FDCPA violation plus any associated costs. If a debt collector tries to enrich themselves at your expense, make them pay you insteadWhen debt collectors refuse to respect your rights, you can compel the matter in court.

*Case taken from PACER ( File number is Case 2:10-cv-00961-TC from the United States District Court for the District of Utah, Central 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 CAC Financial, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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