Are you being called by Chebat Financial Group, LLC?* Here's what you need to know
The cost of living is rising faster than average income which has put many people at a financial disadvantage. If they lose their jobs, their monthly debts can go so deep into arrears that third party debt collectors start calling. Some try to intimidate and bully you into paying, so learn more about your rights as an indebted consumer.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits bullying, deception, and manipulation during the debt collection process. Any collection agency that crosses the line in this manner faces fines and even license revocation.
- Using profane and obscene language
- Demanding an amount that’s not supported by law or the original creditor agreement
- Discussing the debt with anyone except you, your spouse, and your attorney
- Ignoring a debt validation request
- Telling you that you can arrested or imprisoned for nonpayment of a debt
- Pretending to be police officers or government agents
Company Profile: Chebat Financial Group, LLC
If you are being called by Chebat Financial Group, LLC, information about the company is below.
Chebat Financial Group, LLC is a debt collection office located in Amherst, New York. It was established in 2011, has less than 10 employees, and is managed by its owner, Jon Chebat. According to lawsuit records retained by the PACER (Public Access to Court Electronic Records) website, people who believed they were being harassed by Chebat Financial Group, LLC hired consumer attorneys rather than tolerate any more perceived harassment.
Alleged Violations against Chebat Financial Group, LLC
According to PACER, in early March 2012, a Georgia resident received a voice message from Chebat Financial Group, LLC. The caller allegedly stated that she was a courier or process server that was in his area and wanted to make arrangements to meet personally with him in order to deliver legal papers, namely a “certified notice of intent”. She allegedly added that this was his “final notification,” and that if he refused to sign for the document that it would have adverse consequences.
When he called the number provided, he spoke to a representative who allegedly threatened that suit would be filed if he did not pay by the end of the day and that papers would be served on him at work.
Feeling harassed by Chebat Financial Group, LLC, the Georgia resident hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using abusive language
- Using harassing and abusive means to collect a debt
- Failing to identify itself as a debt collector in all communications
- Using false, deceptive and misleading means to collect a debt
- Threatening legal action it could not take
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone number for this collection agency is 1-716-200-4131. If you see it on your caller ID at any time, be aware that you are being called by Chebat Financial Group, LLC. If they pretend to be debt collectors and hint at lawsuits to expedite payment, hire a consumer attorney who can help you file a claim against Chebat Financial Group, LLC. If a judge decides in your favor, you could potentially win $1,000 per FDCPA violation plus associated costs, legal fees, and statutory damages. Never assume that owing money makes you a natural target of harassment. When debt collectors violate your rights, expensive consequences can result.
*Case taken from PACER (www.pacer.gov). File number is Case 1:13-cv-00655-WSD from the United States District Court for the Northern District of Georgia, Atlanta 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 Chebat Financial Group, LLC, or any other third-party collection agency, you may not be entitled to any compensation.