Are you being called By Carter-Jones Collection Service, Inc.?* Here's what You need to know
The average household in the U.S. carries a credit card balance of $15,000. This means that some people are contributing nearly 9% of their income towards paying down the interest alone. This is difficult enough to manage, but if you lose your job and send the accounts into arrears, debt collectors will soon be calling. When they do, it is important to understand what they can and cannot do.
Your Rights Under the FDCPA
If a debt collector is harassing you, they’re actually breaking federal law and can be fined or lose their license. The Fair Debt Collection Practices Act, or FDCPA, prohibits abusive tactics like the following when used to collect a debt.
- Using profane or obscene language
- Telling you that you can be arrested for not paying your debts
- Calling you at work if they know or have reason to know what such calls are not allowed
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening action they cannot legally take or have no intention of taking
- Leaving voice messages that do not identify the collector and the purpose of their call
Company Profile: Carter-Jones Collection Service, Inc.
If you are being called by Carter-Jones Collection Service, Inc., information about the company is below.
Carter-Jones Collection Service, Inc., which also does business as Pine Street Billing Service, is a debt collection agency located in Klamath Falls, Oregon, with branch offices in Lakeview Oregon and Yreka, California. It was established in 1961, has approximately 11-50 employees, and is managed by its owner, Kent Pederson. According to court files digitized and archived at the PACER (Public Access to Court Electronic Records) website, many consumers who believed they were being harassed by Carter-Jones Collection Service, Inc. chose to stand up for themselves instead of back down.
Alleged Violations against Carter-Jones Collection Service, Inc.
According to PACER, in or around early 2017, Carter-Jones Collection Service, Inc. began trying to collect a consumer debt from an Oregon resident . She later complained that collectors tried to charge her interest and fees related to a debt that was hers only through the family expense statute, which does not allow her to be charged with fees or interest.
Feeling harassed by Carter-Jones Collection Service, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the character, amount, or legal status of the debt
- Using an unfair or unconscionable means to attempt to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see any of them on your caller ID when the phone rings, you are being called by Carter-Jones Collection Service, Inc.. If they attempt to add debt fees that are not permitted by law, contact a consumer attorney right away. Carelessness with personal information violates the FDCPA, and if you file a claim against Carter-Jones Collection Service, Inc., you may be awarded $1,000 per FDCPA violation. In cases like this, being too zealous could turn out to be an expensive mistake.
*Case taken from PACER (www.pacer.gov). File number is Case 1:17-cv-00211-MC from the United States District Court for the District of Oregon, Medford 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 Carter-Jones Collection Service, Inc., or any other third-party collection agency, you may not be entitled to any compensation.