The cost of living has gone up but salaries haven’t followed suit, so many of us are struggling to make ends meet. If we lose time at work or even become unemployed, paying our monthly debts can become impossible. Once your credit card bills, student loans, and medical debts go into arrears, debt collectors will start calling, and not all of them will be pleasant to deal with.
Your Rights Under the FDCPA
When the Fair Debt Collection Practices Act, or FDCPA, was passed, consumers finally had recourse when debt collectors crossed the line from unpleasant to abusive. Actions like those below are illegal and can get a collection agency closed.
● Using profane and obscene language
● Telling you that you can arrested or imprisoned for nonpayment of a debt
● Pursuing a time-barred debt
● Calling you at work when they know that your employer doesn’t let you take personal calls
● Failing to report to the credit bureaus that a debt is in dispute
● Disguising the fact that they are debt collectors trying to collect a debt
Company Profile: Central Portfolio Control
If you are being called by Central Portfolio Control, have a look at the following company background.
Central Portfolio Control is a debt collection agency operating in Eden Prairie, Minnesota. The company was established in 1998, has 29 employees, and is managed by Robert Reiter. Legal records stored and viewable at the PACER website confirm that those who felt harassed by Central Portfolio Control chose to go to court.
Alleged Violations against Central Portfolio Control*
According to information on the PACER website, in or around early 2009, Central Portfolio Control began calling a California consumer. She complained that the calls came in constantly and that the company did not identify itself properly. She also alleged that she had never received a debt validation package.
Feeling harassed by Central Portfolio Control, the consumer sued the company for allegedly:
● Harassing her by phone
● Not sending a debt validation package
● Not identifying itself accurately as a debt collector
The case was later settled.
Hire a Consumer Lawyer
The phone numbers for Central Portfolio Control are:
Any time they show up on your caller ID, it means that Central Portfolio Control may be trying to collect a debt. If they demand payment but don’t bother to validate the debt, take action by hiring a lawyer and filing a claim against Central Portfolio Control. You may be entitled to compensation and a lawsuit can help you get it.
*Case taken from PACER (www.pacer.gov). File number is Case 2:09-cv-07540-CAS-SS from the United States District Court for the Central District of California, Western Division.
- Did A Collection Agency Make False Statements Regarding Your Debt?
- Debt Collection Agencies in the United States
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 Portfolio Control or any other third-party collection agency, you may not be entitled to any compensation.