Debt collection abuse and harassment impacts your life in many destructive ways. It causes anger, stress, anxiety, and other adverse reactions that harm your health and wellbeing.
If a debt collector has threatened you, treated you unfairly, and pretended to be a lawyer or police officer to scare you into paying, they have broken the law and you don’t have to take it.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, defines and penalizes illegal collection activities. It was passed in 1977 to protect consumers from being bullied into bankruptcy or illness and can cause the license revocation of collection agencies that do the following:
- Use obscene, profane, or abusive language
- Threaten legal action they cannot or will not take
- Contact you at work knowing that your employer doesn't allow such calls
- Ignore your written request to verify the debt
- Continue collection attempts after receiving a cease communication notice
- Demand that you pay interest, fees, or expenses that are not allowed by law
Company Profile: Certified Credit & Collection Bureau
If you are being called by Certified Credit & Collection Bureau, company details are below.
Certified Credit & Collection Bureau is a debt collection agency located in Raritan, New Jersey. It opened its doors in 1969, has 20 to 49 people on staff, and is managed by its co-President, Diana Schobel.
On the company website it claims to be compliant with the Fair Debt Collection Practices Act, Fair Credit Reporting Act, HIPAA and Gramm Leach Bliley Regulations. Legal files viewable at the PACER website indicates that consumers who felt that they were being harassed by Certified Credit & Collection Bureau acted on their rights and filed lawsuits.
Alleged Violations against Certified Credit & Collection Bureau
According to PACER, on or around February 13, 2014 Certified Credit & Collection Bureau sent a collection letter to a New Jersey consumer regarding an alleged medical debt.
The letter stated, in part, “If you believe that these services should have been covered by your insurance company please call your insurance carrier and please also call us toll-free 800-253-2920 so we can mark your account accordingly.”
The consumer took this letter as suggesting that the debt could be resolved by negotiating with the insurance carrier instead of the collector. Feeling harassed by Certified Credit & Collection Bureau, she sued the company for the following alleged FDCPA violations.
- Using false, deceptive and misleading means to collect a debt
- Presenting information that appeared to contradict the statutory validation notice
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Certified Credit & Collection Bureau are:
If you see any of these numbers on your caller ID, it’s confirmation that Certified Credit & Collection Bureau is trying to collect from you. If they send you letters that seem to mislead you on your dispute rights, hire a consumer lawyer.
If you file a claim against Certified Credit & Collection Bureau and win, they may be liable for a statutory penalty of $1,000 as well as your legal fees. This provision was included in the FDCPA to enable consumers to afford a lawyer, so you have the resources to fight back.
- What if a Debt Collector Ignored Your Written Request?
- Did a Debt Collector Notify a Third Party Regarding Your Debt?
Case taken from PACER (pacer.gov). File number is Case 3:14-cv-03616-JAP-DEA from the United States District Court for the District of New Jersey.
*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 Certified Credit & Collection Bureau, or any other third-party collection agency, you may not be entitled to any compensation.