When a collection agency is on your trail, it can be relentless. Its agents will call relatives you haven't spoken to in years, pretend to be FBI agents with an arrest warrant out for you, and even call your payroll department at work to advise that a garnishment order may be forthcoming.
This is all illegal conduct that can get the agency in trouble if you act on your rights.
Your Rights Under the FDCPA
The Fair Debt Collections Practices Act (FDCPA) is a consumer protection law that governs the activities of third-party debt collectors. If a collection agency tries to stress you into paying by using the following actions, it is breaking federal law.
- Calling you before 8:00 a.m. and after 9:00 p.m. your time
- Disguising the fact that they are debt collectors trying to collect a debt
- Refusing or failing the validate the debt
- Demanding amounts that exceed the amount of the original debt
- Using profane or obscene language
- Calling you at work if they know that your employer does not permit such calls
Company Profile: CFM Group, LLC
If you are being called by CFM Group, LLC, here is a short company background.
CFM Group, LLC is a debt collection agency located in Atlanta, Georgia. It was established in 2011, has approximately 4 employees, and is managed by its owner, Kevin Brown. It has a B rating with the Better Business Bureau for failure to respond to complaints.
Litigation records at the PACER website demonstrate that people who believed they were being harassed by CFM Group, LLC went to court to seek damages.
Alleged Violations against CFM Group, LLC
According to PACER, on or around May 10, 2017, CFM Group, LLC sent a collection letter to an Illinois consumer. She alleged that nowhere did the letter did the agency identify itself as a debt collector or state the name of the original creditor, leaving her confused and concerned that the agency was trying to collect money she didn’t owe or already paid.
Feeling harassed by CFM Group, LLC, the consumer sued the agency for allegedly violating her rights under the FDCPA by:
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Failing to identify itself as a debt collector in all communications
- Failing to send her a debt validation notice
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for CFM Group, LLC are:
If you see either one on your caller ID, it means that CFM Group, LLC is on the line. If they send collection letters that fail to clarify how much you owe and the name of the original creditor, reach out to a consumer lawyer who can guide you in filing a claim against CFM Group, LLC.
You could potentially be awarded statutory damages of $1,000 plus court costs and attorney fees, so never let a debt collector tell you that they have the upper hand.
Case taken from PACER (pacer.gov). File number is Case: 1:17-cv-04579 from the United States District Court for the Northern District of Illinois, Eastern 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 CFM Group, LLC or any other third-party collection agency, you may not be entitled to any compensation.