Is Capital Credit & Collection Service, Inc calling you? Here's What You Need to Know
Abusive debt collectors are getting more press these days. In November 2015 Federal Trade Commission announced that charges were being laid against collection agencies across the United States for allegedly using illegal means to collect consumer debts.
Some companies were even accused of deliberately trying to collect nonexistent debts.
If you find yourself being harassed by a debt collector, it’s time to become acquainted with your rights.
Your Rights Under the FDCPA
In 1977 the Fair Debt Collection Practices Act, or FDCPA, was passed to protect consumers from predatory debt collectors. This law still grants you the right to dispute a debt and tell the collection agency to stop calling you.
It also prohibits debt collectors from using underhanded tactics like the following:
- Yelling and using profane, abusive language
- Telling your friends, neighbors, and co-workers that you owe a debt
- Failing to identify themselves during each communication as a debt collector seeking to collect a debt
- Using the phone to harass you by calling nonstop or calling and hanging up when you answer
- Pretending to be police officers, government officials, or any other law enforcement figure
Company Profile: Capital Credit & Collection Service, Inc
Capital Credit & Collection Service, Inc is a debt collection agency located in Portland, Oregon. It was founded in 1972, has 10 to 19 employees, and is managed by its President, Vern Wallace III.
Records on file at the PACER (Public Access to Court Electronic Records) website indicates that Capital Credit & Collection Service, Inc has been accused of trampling on consumer rights during the debt collection process.
Alleged Violations by Capital Credit & Collection Service, Inc
According to PACER** , in or around early 2013, an Oregon consumer received several calls from Capital Credit & Collection Service, Inc regarding an alleged debt to “Tidy Didee” diaper service for unreturned cloth diapers.
The consumer disputed the debt, saying that he did return them and had no reason to keep them. When he checked his credit report and saw that Capital Credit & Collection Service, Inc did not report the debt as disputed, he hired a consumer attorney and sued the agency for the following alleged FDCPA violations:
- Communicating or threatening to communicate credit information which was known or which should have been known to be false
- Using false, deceptive, and misleading means to collect a debt
- Falsely representing the character, amount, or legal status of the debt
The matter was later dismissed.
Hire an Attorney
The phone number for Capital Credit & Collection Service, Inc is 1-503-297-4488. If it appears on your caller ID when the phone rings, be aware that a collection agency may be trying to contact you.
If they fail to correctly report a disputed debt to the credit bureaus, hire an attorney to help you assert your rights and seek compensation.
If a court action results, you could potentially be awarded $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. Standing up for yourself against an unethical or negligent debt collector could literally pay off.
**Case taken from PACER (www.pacer.gov). File number is (Case 3:13-cv-02178-MO from United States District Court for the District of Oregon, Portland Division)
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Capital Credit & Collection Service, Inc or any other third-party collection agency, you may not be entitled to any compensation.