Are you being called by Cadillac Accounts Receivable Management, Inc.?* Here’s what you need to know.
Once you miss a certain number of payments on your student loan, credit cards, and other obligations, a collection agency will either be engaged by your creditors or purchase the debt and attempt to collect it on their own behalf. While contacting you to discuss or arrange payment is legal, harassing you is not. Read on to learn more about your rights as an indebted consumer.
Your Rights Under the FDCPA
A consumer protection law called the Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to manipulate or abuse you into paying a debt. Using methods like those below can cause an agency to lose its license, but many assume the risk anyway.
- Swearing and using racist or sexist language
- Telling you that by failing to pay the debt, you have committed a crime
- Discussing the debt with anyone except you, your spouse, or your attorney
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Demanding amounts that are inflated by ‘service charges’
- Calling you several times per day using an autodialer
Company Profile: Cadillac Accounts Receivable Management, Inc.
If you are being called by Cadillac Accounts Receivable Management, Inc., information about the company is below.
Cadillac Accounts Receivable Management, Inc. is a debt collection company located in Cadillac, Michigan. It was established in 1989, has approximately 14 employees, and is managed by its President, Ralph Trim. Civil litigation records retained by the PACER (Public Access to Court Electronic Records) website indicate that consumers who felt they were being harassed by Cadillac Accounts Receivable Management, Inc. elected to actively confront the company in court.
Alleged Violations against Cadillac Accounts Receivable Management, Inc.
According to PACER, on or around September 26, 2014, a Michigan consumer received a collection letter from Cadillac Accounts Receivable Management, Inc. regarding a medical debt. that the consumer had filed for Chapter 7 bankruptcy the previous August and included this obligation in the filing.
Feeling harassed by Cadillac Accounts Receivable Management, Inc., the consumer hired an attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Misrepresenting the character, amount, or legal status of the debt
- Using unfair and unconscionable means to collect a debt
- Contacting her directly instead of her bankruptcy attorney
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If you see either one on your caller ID, be advised that you are being called by Cadillac Accounts Receivable Management, Inc..If they attempt to collect a debt that has already been included in a bankruptcy filing, do not pay them- hire a consumer attorney instead. Breaching the bankruptcy automatic stay violates federal law, so if you file a claim against Cadillac Accounts Receivable Management, Inc., you could be awarded $1,000 per FDCPA violation plus costs and damages. Even if you actually owe money, you have rights that debt collectors ignore at their own risk.
*Case taken from PACER (www.pacer.gov). File number is Case 1:14-cv-01080-RJJ from the United States District Court for the Western District of Michigan.
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 Cadillac Accounts Receivable Management, Inc., or any other third-party collection agency, you may not be entitled to any compensation.