Collection agencies train their employees to be as persistent as possible to collect money owed. This direction frequently manifests itself as aggressive and intrusive measures such as calling the debtor at all hours of the day or night, harassing them at work, or blowing up their phone with an autodialer. If it happens to you, be aware that such tactics are illegal.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect indebted consumers from having their lives ruined by third-party collection agencies. It penalizes debt collectors who harass you in the following ways:
- Refusing to provide you with information about the debt upon request
- Failing or refusing to report a debt as disputed to the credit bureaus
- Persisting in trying to collect a disputed debt
- Using profane and obscene language on the phone or in voicemails
- Threatening to publish your name on a debtor’s list
- Contacting you directly when they know that you have an attorney
Company Profile: Cash-Pro, Inc.
If you are being called by Cash-Pro, Inc., a company overview is below.
Cash-Pro, Inc., which also does business as Credit Adjustment Services of Harrisburg, Inc., is a debt collection agency in Evansville, Indiana. It opened for business in 1992, has 55 employees, and is managed by owner John Townsend.
Archived litigation files at the PACER website confirm that consumers who believed that they were being harassed by Cash-Pro, Inc. learned more about their rights and acted on them.
Alleged Violations against Cash-Pro, Inc.
According to information on the PACER website, in or around January 2012, Cash-Pro, Inc. tried to collect a debt from an Indiana consumer by reporting it to the credit bureaus. Her attorney faxed a dispute letter to the agency, but it allegedly did not report the debt as disputed.
Feeling harassed by Cash-Pro, Inc., the consumer took legal action against the agency for:
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID, you are being called by Cash-Pro, Inc. about an alleged debt. If you dispute a debt and they don’t report it to the credit bureaus, hire a consumer lawyer and file a claim against Cash-Pro, Inc.
You could be awarded $1,000 per FDCPA incident plus your attorney fees and court costs. The law is there to support you, so act on your rights.
Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-01889-TWP-DKL from the United States District Court for the Southern District of Indiana, Indianapolis 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 Cash-Pro, Inc. or any other third-party collection agency, you may not be entitled to any compensation.