Have you been bullied by a debt collector? Have they called your family to say that you owe money, used foul language, or threatened you with prison if you didn’t pay immediately? This conduct is illegal, so your next step should be to retain a consumer lawyer who will protect your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act was enacted in 1977 to curb the unethical practices that were prevalent in the collections industry. Some of the prohibited behaviors specified in this consumer protection law are outlined below.:
- Leaving voice messages that do not identify them as debt collectors
- Posing as law enforcement officers to scare you into paying
- Adding illegal service fees to the original debt
- Calling you at work when they know that your boss doesn’t allow such calls
- Threatening to publish your name on a debtor’s list
- Harassing you over a debt that isn’t legally yours
Company Profile: Campbell & Associates
If you are being called by Campbell & Associates, information about the company is below.
Campbell & Associates is a debt collection company located in Marietta, Georgia. It was founded in 2007, has fewer than 10 employees, and is managed by owner Patricia Lynn Campbell.
Litigation files at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed that they were being harassed by Campbell & Associates did not passively accept what they perceived to be abuse.
Alleged Violations against Campbell & Associates
According to PACER, on or around March 23, 2007, Campbell & Associates contacted a Georgia consumer to collect a nursing care debt incurred by her now-deceased husband. It stated, in part:
The payment which you have promised on the above account is now overdue and remittance is expected. Your failure to comply will result in immediate cancellation of any arrangements you may have made with this office.
The consumer was concerned because she had not entered into any agreement with Campbell & Associates regarding the debt.
Feeling harassed by Campbell & Associates, she hired a consumer attorney and sued the company for allegedly using false, deceptive, and misleading means to collect a debt.
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-678-397-1920. Seeing it on your caller ID is evidence that you are being called by Campbell & Associates.
If they send a demand letter implying that you entered into a payment agreement with them when you did no such thing, hire a consumer lawyer and file a claim against Campbell & Associates. You could be awarded $1,000 per FDCPA violation plus your legal fees, so there is nothing holding you back from getting the compensation you deserve.
Case taken from PACER (pacer.gov). File number is Case 1:07-cv-02279-WBH 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 Campbell & Associates or any other third-party collection agency, you may not be entitled to any compensation.