The debt collection industry is a thriving one because so many people have fallen upon hard times. Even if you owe money, debt collectors can’t bully you to get it, and any agency that tries to violate your rights could be ordered to compensate you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is intended to protect consumers from debt collectors who go too far. It restricts what collection agencies can do to collect a debt and prohibits actions like the following:
● Calling your friends and family
● Swearing at you over the phone
● Saying that the police can arrest you for nonpayment of a debt
● Threatening to hurt your credit
● Trying to collect a time-barred debt
● Demanding that you pay more than you actually owe
Company Profile: Centerpoint Legal Solutions, LLC
If you are being called by Centerpoint Legal Solutions, LLC, information about agency ownership and operations is below.
Centerpoint Legal Solutions, LLC is a debt collection agency in Roseville, Minnesota. It was founded in 2010, has 54 employees, and is managed by its President, Aaron Rose. Litigation records archived at PACER show that people who felt that they were being harassed by Centerpoint Legal Solutions, LLC refused to comply.
Alleged Violations against Centerpoint Legal Solutions, LLC*
According to information on the PACER website, on or around January 2, 2015, Centerpoint Legal Solutions, LLC called an Arizona consumer’s workplace. The caller allegedly spoke to one of the consumer’s colleagues, identified herself as a debt collector, and said that she was calling to verify the consumer’s employment. The colleague stated that such requests had to be faxed in.
When the consumer called Centerpoint Legal Solutions, LLC to figure out what was going on and get information about the debt, a collector allegedly hung up on him without confirming that the company was in fact a debt collector. However, on or about January 5, 2015, the company allegedly called his workplace again and spoke to the same coworker, who stated that she had not received any written request for employment verification as requested.
Feeling harassed by Centerpoint Legal Solutions, LLC, the consumer hired an attorney and sued the company for:
● Discussing the debt with third parties
● Failing to identify itself as a debt collector to him
● Failing to send him a debt validation package
The case was later settled.
Hire a Consumer Lawyer
The phone number for Centerpoint Legal Solutions, LLC is 1-877-409-5045. If you’re interrupted by an incoming call and you see this number on your caller ID, Centerpoint Legal Solutions, LLC is on the line. If they call your colleagues to humiliate you into paying, hire a consumer lawyer and file a claim against Centerpoint Legal Solutions, LLC. The court could grant you statutory damages of $1000 per FDCPA violation, which is more than you may even owe in the first place!
*Case taken from PACER (www.pacer.gov). File number is Case 2:15-cv-00274-DJH from the United States District Court for the District of Arizona, Phoenix 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 Centerpoint Legal Solutions, LLC or any other third-party collection agency, you may not be entitled to any compensation.