Thousands of people across the country are struggling with huge amounts of debt. If you are being contacted by collection agencies about overdue credit card bills, student loans, and other obligations, remember that they have to be professional when communicating with you. To shout, intimidate, or deceive you is illegal under federal law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects consumers from harassment by third-party collection agencies. Debt collectors are prohibited from using pressure tactics like the following to make you pay:
- Swearing and calling you names
- Failing or refusing to identify themselves as debt collectors in every communication
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Pretending to be attorneys or police officers
- Refusing to provide you with information about the debt upon request
- Threatening to have you arrested or imprisoned
Company Profile: Check Care Systems, Inc.
If you are being called by Check Care Systems, Inc., information about the company is below.
Check Care Systems, Inc., which also does business as Systems Checkcare, is a debt collection company located in Concord, California. It opened for business in 1978, has 10 to 19 employees, and is the subject of numerous complaints on consumer sites such as Ripoff Report.
Digitized lawsuit files viewable at the PACER (Public Access to Court Electronic Records) website indicate that consumers who felt they were being harassed by Check Care Systems, Inc. refused to be pushed into paying debts they did not owe.
Alleged Violations against Check Care Systems, Inc.
According to PACER, in or around late 2009, Check Care Systems, Inc. began trying to collect from a California resident. She later complained that the company called her several times a day, failing to identify itself as a debt collector each time.
She also stated that the company mailed her 18 collection letters on the same day, all of them dated November 30, 2009.
Feeling harassed by Check Care Systems, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using abusive and harassing 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
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If you see any of them on your caller ID at any time, it means that you are being called by Check Care Systems, Inc.. If they contact you at a harassing rate and do not identify themselves as debt collectors each time, hire a consumer attorney who can help you protect your rights.
If you decide to file a claim against Check Care Systems, Inc., you could potentially win $1,000 per FDCPA violation in addition to reasonable legal fees. Such lawsuits remind collection agencies that no matter how much you owe, your rights must be respected.
*Case taken from PACER (www.pacer.gov). File number is Case 1:10-cv-01066-LJO-GSA from the United States District Court for the Eastern District of California, Fresno 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 Check Care Systems, Inc. or any other third-party collection agency, you may not be entitled to any compensation.