When you fall behind on your monthly debts because you lost your job or a divorce, the subsequent calls from debt collectors can make you feel even worse. Not only can’t you pay them, but they are verbally abusing you and threatening to garnish your wages or seize your home.
These threats are neither ethical nor legal, so learn more about your rights.
Your Rights Under the FDCPA
The Fair Debt Collections Practices Act (FDCPA) that contains specific guidelines for what a debt collector can and cannot do when communicating with you. It also provides you with legal remedies for you if a collection agency violates your rights by doing any of the following:
- Swearing and raising their voice to you over the phone
- Calling your relatives and telling them that they are trying to collect money from you
- Saying that they have a warrant for your arrest and only a debt payment will cancel it
- Ignoring a written request to stop calling you
- Failing or refusing to validate the debt
- Trying to collect a debt you do not owe
Company Profile: Central Creditors of Flagstaff
If you are being called by Central Creditors of Flagstaff, more information about the company and its history are below.
Central Creditors of Flagstaff is a debt collection agency located in Peoria, Arizona. It opened its doors for business in 1973, has a smaller workforce of fewer than 10 employees, and is managed by owner Tony Luciani.
The Better Business Bureau has given it a C+ rating for failing to respond to complaints. Records at the PACER website indicate that consumers who thought they were being harassed by Central Creditors of Flagstaff let a court decide whether they had to pay the debt.
Alleged Violations against Central Creditors of Flagstaff
According to PACER, in or around 2011, an Arizona consumer began paying a debt to Central Creditors of Flagstaff in small monthly increments.
In December of 2016, she allegedly received a message from a person that identified themselves as a representative of Central Creditors of Flagstaff: in that call, she was advised that her account was closed and her payments were no longer necessary.
The consumer called Central Creditors of Flagstaff directly to find out if the information about her account being closed was true. The representative allegedly stated that it was not true, her account was open, and she must still pay it.
They also allegedly informed her that they would report the debt to Experian for up to seven years from the date she last made a payment on the account.
Feeling harassed by Central Creditors of Flagstaff, the consumer hired a lawyer and sued the agency for allegedly:
- Using false, deceptive, and misleading means to collect a debt
- Threatening to communicate false credit information
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Central Creditors of Flagstaff are:
If you notice either number on your caller ID, it means that you are being called by Central Creditors of Flagstaff. If they threaten to communicate inaccurate information to the credit bureaus if you don’t pay, hire a consumer lawyer to protect your rights.
If you file a claim against Central Creditors of Flagstaff and prevail in court, the agency may be ordered to compensate you by paying damages that start at $1,000 per FDCPA violation. Debt collectors who ignore your rights can be penalized - a lot.
Case taken from PACER (pacer.gov). File number is Case 3:17-cv-08074-DJH from the United States District Court for the District of Arizona, Prescott 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 Central Creditors of Flagstaff or any other third-party collection agency, you may not be entitled to any compensation.