Are you so sick of being called and harassed by debt collection agencies that you’re thinking of declaring bankruptcy to make it stop? While bankruptcy can provide you with a fresh start when you’re overwhelmed by debt, there are other ways of bringing unwanted communications from debt collectors to an end.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you from being harassed or abused by third-party debt collectors. After a free evaluation from a consumer lawyer, you can exercise your rights under the FDCPA to end the harassment and even seek a monetary remedy.
● Providing false credit information about you to credit reporting companies
● Claiming that you’ll be arrested if you don’t pay your debt
● Lying about the amount you owe
● Calling you before 8:00 a.m. or after 9:00 p.m.
● Yelling, swearing, and using language meant to intimidate you
● Calling you at work after you’ve told them to stop
Company Profile: City Title Loan, LLC
If you are being called by City Title Loan, LLC, here is some additional information about the company.
City Title Loan, LLC is a loan provider and collection agency in Long Beach, California. It opened for business in 1980, has 65 employees, and is managed by Bernie Delaney. The agency has a D- rating with the Better Business Bureau. The consumer litigation records at the PACER website indicate that people who felt harassed by City Title Loan, LLC went to court for compensation.
Alleged Violations against City Title Loan, LLC
According to PACER, on or around August 19, 2015, City Title Loan, LLC attempted to collect a debt from a South California consumer by possessing her vehicle, which was used to secure the loan.
When she filed a complaint with the South Carolina Department of Consumer Affairs, City Title Loan, LLC, she filed an action with the American Arbitration Association on June 1, 2016. pursuant to the agreement of the parties. AAA closed the file because the company allegedly failed to respond or pay an arbitration fee.
Feeling harassed by City Title Loan, LLC, the consumer filed a claim against the agency for using deceptive and misleading means to collect a debt.
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-562-427-7912. If it appears on your caller ID at any time, it is a warning that you are being called by City Title Loan, LLC. If they use deceptive methods to collect a debt from you, hire a consumer lawyer and file a claim against City Title Loan, LLC. A court could award you both punitive and statutory damages and order the collection agency to pay your legal fees, so don’t be afraid to fight back.
*Case taken from PACER (www.pacer.gov). File number is Case 2:16-cv-04034-RMG from the United States District Court for the District of South Carolina.
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 City Title Loan, LLC or any other third-party collection agency, you may not be entitled to any compensation.