Are You Being Called By Cal Coast Credit Service, Inc.*? Here's What You Need to Know
Are debt collectors calling you at all hours, leaving you rude and intimidating voicemail messages? Are they threatening to have you arrested? Telling you that they will garnish your wages? You don’t have to tolerate such abuse. The law says so.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which was passed by Congress in 1977, gives consumers the right to dispute a debt and order the collector to stop contacting them. It also prohibits third-party collection agencies from using approaches like the following:
- Using profane and abusive language
- Demanding outrageous ‘fees’ in addition to the original debt
- Telling you that you can be arrested and sent to prison if you don’t pay
- Calling at all hours of the day and night
- Talking to uninvolved parties such as your friends, family, and co-workers about the debt
- Demanding an amount that is not supported by law or the original debt agreement
Company Profile: Cal Coast Credit Service, Inc.
If you are being called by Cal Coast Credit Service, Inc., here are some additional details about the agency.
Cal Coast Credit Service, Inc. is a debt collection agency in Santa Rosa, California. It opened for business in 1958, has nine employees, and is managed by its President, Matthew Berto. An examination of PACER website records, which include civil litigation files, suggest that consumers who believed that they were being harassed by Cal Coast Credit Service, Inc. went to court to stop the unwanted calls.
Alleged Violations against Cal Coast Credit Service, Inc.**
According to information on the PACER website, in or around mid-2010, Cal Coast Credit Service, Inc. began calling a California consumer to collect a debt. He alleged that the company never identified itself as a debt collector seeking to collect money in any of the voicemail messages it left.
Feeling harassed by Cal Coast Credit Service, Inc., the consumer stood his ground and sued the agency for:
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Failing to identify itself a debt collector in all communications
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Should you see them flashing on your caller ID at any time, it is confirmation that Cal Coast Credit Service, Inc. is on the line. If they leave voice messages that don’t confirm the name of the company and the fact that they are a debt collector, hire a consumer lawyer and file a claim against Cal Coast Credit Service, Inc. You could be awarded $1,000 per FDCPA violation, plus court costs and attorney fees. Debt collectors must obey the law during all communication attempts or receive expensive penalties.
**Case taken from PACER (pacer.gov). File number is Case 4:10-cv-03934-SBA from the United States District Court for the Northern District of California, San Francisco 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 Cal Coast Credit Service, Inc. or any other third-party collection agency, you may not be entitled to any compensation.