Collection agencies harass people in several different ways. They yell, call you names, and threaten to sue you. Such behavior is illegal, but they bet on the probability that you are too unfamiliar with their rights to protest.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) which was passed in 1977, prohibits actions like the following while collecting a debt and penalizes offending collection agencies with fines and even license revocation.
● Using profane and obscene language
● Contacting you at work if you are not allowed to receive calls there
● Trying to collect amounts that exceed the original debt
● Contacting you if they are aware that you are being represented by an attorney
● Pretending to be police officers or federal agents
● Threatening legal action they are not eligible to take or have no intention of taking
Company Profile: CadleRock Joint Venture II
If you are being called by CadleRock Joint Venture II, more information about the company is below.
CadleRock Joint Venture II is a debt buyer and collection agency located in Newton Falls, Ohio. It opened for business in 1997, has 14 employees, and is managed by Daniel Cadle. References in the indexes of the PACER website provides evidence that consumers who felt that they were being harassed by CadleRock Joint Venture II acted on their right to sue.
Alleged Violations against CadleRock Joint Venture II*
According to information on the PACER website, on or around February 14, 2008, CadleRock Joint Venture II sent a collection letter to a Georgia consumer regarding a student loan debt. The company proceeded to file suit against her on May 28, 2009, demanding $6,315 although the previous year’s letter listed the balance as $4903.10.
Feeling harassed by CadleRock Joint Venture II, the consumer sued the company for:
● Using unfair and unconscionable collection methods
● Trying to collect an amount not permitted by law
● Using deceptive means to collect a debt
The case was later settled.
Hire a Consumer Lawyer
The phone number for CadleRock Joint Venture II is 1-330-872-0918. If you ever see it on your caller ID, it’s a heads-up that CadleRock Joint Venture II has acquired a debt you are believed to owe. If they demand that you pay more than you actually owe, hire a consumer lawyer and get them to help you file a claim against CadleRock Joint Venture II. You could potentially be awarded $1,000 per FDCPA violation, so fighting back could force a collection agency to pay you instead.
*Case taken from PACER (www.pacer.gov). File number is Case 1:09-cv-01867-JOF from the United States District Court for the Northern District of Georgia, Atlanta 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 CadleRock Joint Venture II or any other third-party collection agency, you may not be entitled to any compensation.