Is a debt collector calling you every day at home and work, making payment demands you can’t really afford? If they tell you that they have the right to contact you until the debt is paid, they’re wrong. Learn more about your rights as an indebted consumer in this type of situation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law designed to prevent you from being pressured and abused by third-party debt collectors. If a collection agency uses tactics like the following to make you pay, they’ve gone too far and you can take legal action.
- Leaving voice messages that do not identify them as debt collectors
- Calling anyone except you, your spouse, or attorney about the debt
- Using an autodialer to call your phone nonstop
- Trying to collect after you refuse to pay
- Demanding payment for an old debt discharged in bankruptcy
- Disguising their identity on the phone to trick you into taking the call
Company Profile: The Cadle Company
If you are being called by The Cadle Company, here is some additional information about the agency.
The Cadle Company is a debt collection agency located in Newton Falls, Ohio. It opened for business in 1997, has 37 employees, and is managed by its Chairman, Daniel C. Cadle.
Digitized records viewable at the PACER website confirm that consumers who believed that they were being harassed by The Cadle Company sued the agency for using unfair and unconscionable debt collection practices.
Alleged Violations against The Cadle Company
According to PACER, on or around May 19, 2016, The Cadle Company sent a collection letter to a New York consumer, demanding payment for a private student loan. She had not paid on this debt, making it legally uncollectible under the laws of New York state, where she now lived.
Feeling harassed by The Cadle Company, the consumer took action against the company by filing a lawsuit for the following alleged actions:
- Misrepresenting the legal status of the debt
- Threatening legal action it could not take
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for The Cadle Company are:
Their presence on your caller ID indicates that you are being called by The Cadle Company. If they demand that you pay a time-barred debt, hire a consumer lawyer and file a claim against The Cadle Company.
You could be awarded $1,000 per FDCPA violation plus your attorney fees, which is a costly reminder to all debt collectors that consumers have rights no matter how much they owe.
Case taken from PACER (pacer.gov). File number is Case: 4:16-cv-02244-BYP from the United States District Court for the Northern District of Ohio, Eastern 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 The Cadle Company, or any other third-party collection agency, you may not be entitled to any compensation.