According to a 2014 study, 35% of adult Americans have at least one debt in collections. That’s nearly 77 million people who are dealing with collection agencies. This is one of the reasons why debt collector harassment is becoming such a growing concern.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act protects consumers from unethical and aggressive debt collection practices. It regulates the conduct of licensed collection agencies and prohibits abusive tactics like those below.
- Contacting you when you are represented by an attorney
- Using an auto-dialer to send prerecorded calls to your cell phone
- Calling you at work when such calls are prohibited by law
- Pretending to be government agents or police officers
- Using profane and obscene language
- Chasing you for a debt that you don’t owe
Company Profile: CBA of GA
If you are being called by CBA of GA, more information about the company history is below.
CBA of GA, which also does business as Jack L. Daniel, Inc., is a debt collection agency in Milledgeville, Georgia. It opened for business in 1978, has 15 employees, and is managed by its CEO, Rob Braswell.
Archived records at the PACER website suggest that consumers who believed that they were being harassed by CBA of GA went to court to make it stop.
Alleged Violations against CBA of GA
According to information on the PACER website, on or about November 1, 2015, CBA of GA sent a collection letter to a Georgia consumer to collect a dental debt.
It referenced a notice sent to her regarding her validation rights under the FDCPA, but she denied receiving this letter. It also directed her to pay a $3.00 convenience fee for payments, which was not indicated by law or the creditor agreement.
The business name of Jack L. Daniel, Inc. also appeared on the letter, although the connection to CBA of GA was not clear.
The consumer requested validation of the debt and received documents that referenced a “CBA Oconee Division Collections,” although CBA of GA did not appear to have registered that business name.
Feeling harassed by CBA of GA, the consumer sued the agency for:
- Using unfair and unconscionable means to collect a debt
- Using harassing and abusive means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If either one ever appears on your caller ID when the phone rings, it means that CBA of GA is trying to contact you.
If they send you documentation that fails to make the name of the company clear and demands that you pay unauthorized ‘convenience fees,’ hire a consumer lawyer and file a claim against CBA of GA.
You could receive $1,000 per FDCPA violation, so when a collection agency helps itself to your money, it could end up owing you even more.
Case taken from PACER (pacer.gov). File number is Case 5:16-cv-00460-MTT from the United States District Court for the Middle District of Georgia, Macon 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 CBA of GA or any other third-party collection agency, you may not be entitled to any compensation.