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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Capstone Credit & Collections, LLC?*

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Are you being called by Capstone Credit & Collections, LLC?* Here’s what you need to know.

If you’ve fallen behind on your monthly obligations by at least three months, you’ve probably been contacted by a debt collector. These communications are not generally enjoyable but for some consumers, the calls and emails can be traumatic. This is because many debt collectors use harassment and abuse to obtain debt payments, not caring that they are breaking the law.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) regulates the ways that third-party debt collectors may approach you about paying a debt. Actions like those below are illegal when used to ‘convince’ a consumer to pay.

  • Using profane or obscene language
  • Threatening legal actions that they have no intention of taking
  • Telling you that you can be arrested for not paying your debts
  • Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
  • Calling you at work if they know or have reason to know what such calls are not allowed
  • Refusing to provide proof that a debt even exists and that they are authorized to collect it

Capstone Credit & Collections, LLC

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Company Profile: Capstone Credit & Collections, LLC

If you are being called by Capstone Credit & Collections, LLC, information about the company is below.

Capstone Credit & Collections, LLC is a debt collection agency located in Lutz, Florida. It was established in 1992, has less than 10 employees, and is managed by its President, Douglas W. Cullaro. It has an F rating with the Better Business Bureau. According to litigation records viewable at the PACER (Public Access to Court Electronic Records) website, consumers who felt they were being harassed by Capstone Credit & Collections, LLC did not let themselves be intimidated.

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Alleged Violations against Capstone Credit & Collections, LLC

According to PACER, in or around early 2015 a Connecticut resident checked his credit report and saw that Capstone Credit & Collections, LLC had reported an alleged debt. He disputed it directly with the company by letter on February 15, 2015, but when he examined his credit report again on April 1, 2015, he saw that Capstone Credit & Collections, LLC had neither removed the alleged debt from his credit report, nor had it marked as “disputed by consumer”.

Feeling harassed by Capstone Credit & Collections, LLC, the resident hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

The matter was later dismissed.

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The phone numbers for this debt collection agency are:

If any of them appear on your caller ID when the phone rings, you are being called by Capstone Credit & Collections, LLC, presumably about a debt you are believed to owe. If you dispute a debt and they fail to notify the credit bureaus, contact a consumer attorney. A collection agency is legally required to report this information, and failing to do so gives you grounds to file a claim against Capstone Credit & Collections, LLC. If the case outcome is in your favor, you could be awarded $1,000 per FDCPA violation in addition to other costs and damages. When debt collectors disobey the law, penalties result.

*Case taken from PACER ( File number is Case 3:16-cv-00237-JAM from the United States District Court for the District of Connecticut.

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 Capstone Credit & Collections, LLC, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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