Thousands of people are regularly harassed by debt collectors. In some cases, the debt is not even theirs while in others, the collection agency abuses them to make them pay. If you are ever dealing with a company that treats you in this manner, learn more about what you can do about it.
Your Rights Under the FDCPA
No matter how much you owe, you are protected by the Fair Debt Collection Practices Act (FDCPA), which gives you the right to dispute a debt and take legal action against a company that does any of the following:
● Intentionally reporting false information about the debt to the credit bureaus
● Refusing to validate the debt
● Reaching out to you directly after you hire an attorney
● Leaving voice messages that do not identify them as debt collectors
● Threatening you with physical harm
● Pursuing a debt included in a bankruptcy
Company Profile: Cash Factory USA
If you are being called by Cash Factory USA, below is a general overview of the company and its operations.
Cash Factory USA, which also does business as 2233 Paradise Road, is a loan provider and debt collection agency in Las Vegas, Nevada. It opened for business in 2011, has 21 employees, and is managed by Lyman Lambson. Court records maintained at the PACER website indicate that people who felt they were being harassed by Cash Factory USA sought compensation for the perceived abuse.
Alleged Violations against Cash Factory USA
According to PACER, in or around January 2013, Cash Factory USA allegedly began calling a Nevada consumer to collect a debt related to a loan. He alleged that he sometimes received multiple calls per day, and when he ordered the company to cease and desist, it ignored him and even called his supervisor at work.
When the consumer told one collector that he had retained an attorney to help him file bankruptcy, they allegedly responded that Cash Factory USA would thwart his discharge and that in any event, the debt was not dischargeable.
Feeling harassed by Cash Factory USA, he took the company to court for:
● Discussing his debt with his supervisor
● Calling him at work
● Calling multiple times per day
● Using unfair and unconscionable means to collect the debt
● Using harassing and abusive means to collect a debt
● Threatening legal actions it had no intention of taking
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they ever show up on your caller ID, it means that Cash Factory USA is calling you. If you find yourself being harassed by constant calls to your workplace, hire a consumer lawyer after a free evaluation and file a claim against Cash Factory USA. The company could be ordered to pay you $1000 per FDCPA violation plus legal fees and associated damages, so take a stand when a collection agency goes too far.
*Case taken from PACER (www.pacer.gov). File number is Case 2:13-cv-01626-JAD-VCF from the United States District Court for the District of Nevada.
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 Cash Factory USA or any other third-party collection agency, you may not be entitled to any compensation.