If Capital Resource Management, Inc is abusive while attempting to collect a debt, you don't have to stand for it. Learn about your rights now!
Are you weeks or even months behind on your credit card and student loan payments? Chances are high that you will soon be approached by a debt collector who is either working for the original creditors or has purchased your charged-off debts.
If the agency trying to collect on your accounts goes to extreme measures to get your money, it’s time to read up on your rights as an indebted consumer.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates the methods that third-party debt collectors may use to collect money from you.
If you are subjected to any of the following, the company you are dealing with is breaking the law.
- Using an autodialer to leave a series of prerecorded messages
- Claiming that you can be arrested or lose your children if they do not pay
- Failing to identify themselves as debt collectors trying to collect a debt
- Calling you at work after you tell them that you can’t take personal calls there
- Threatening to ruin your credit if you don’t pay
- Using profane and obscene language
Company Profile: Capital Resource Management, Inc.
Capital Resource Management, Inc. is a debt collection company located in Merrick, New York. It was established in 2011, has less than 10 employees, and is managed by owner Laura J. Lowenstein, whose law office also carries on litigation on the company’s behalf.
According to the PACER (Public Access to Court Electronic Records) website, people who believed they were being harassed by Capital Resource Management, Inc. have taken the company to court to stop unwanted collection attempts.
Alleged Violations by Capital Resource Management, Inc.
According to PACER, on or about May 17, 2016, Capital Resource Management, Inc., via Laura J. Lowenstein & Associates, LLC sent a collection letter to a New York consumer.
She found the contents confusing: it identified the creditor as “Greater New York Endoscopy Surgical Center” yet the second paragraph stated “Brooklyn Endoscopy SC, LLC requires full and final payment of this account.”
The consumer also felt that the time period for payment overshadowed her dispute rights.
She knew what to do if a debt collector sent a written notice of alleged debt, so she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Failing to clearly and accurately advise her of her dispute rights
Hire an Attorney
The phone numbers for this debt collection agency are:
If either one flashes on your caller ID when the phone rings, it is a sign that you may be getting a call from Capital Resource Management, Inc. If they send you collection letters that make it difficult to determine who you owe money to and what your dispute rights are, hire a consumer attorney who can help you file a claim against the abusive debt collector.
It is illegal to send collection communications that obscure a debtor’s rights, so if you win your case, you could be awarded $1,000 per FDCPA violation plus legal fees related to the case. You may owe a debt, but you still have rights, and when a collection agency forgets that, the law can help you remind them.
**Case taken from PACER (www.pacer.gov). File number is Case 1:17-cv-01118-KAM-JO from the United States District Court for the Eastern District of New York.
*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 Capital Resource Management, Inc. or any other third-party collection agency, you may not be entitled to any compensation.