If you encounter financial difficulties and fall behind on your monthly obligations, you will eventually hear from a debt collector, many of whom will try to get you to pay by bullying you. They threaten you over the phone, talk to your friends and family about the debt, and tell you that they can ruin your credit forever. Being the subject of such abuse is highly stressful, but the good news is that there is something you can do about it.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA to protect indebted consumers from abusive debt collection practices. This federal consumer protection law makes it illegal to use deceptive and harassing tactics like those below.
- Using profane or obscene language
- Calling you at work when they know that your employer prohibits such calls
- Ignoring a formal request to cease communications
- Calling you before 8:00 a.m. or after 9:00 p.m. in your time zone
- Telling uninvolved third parties like your friends and co-workers that you owe money
- Demanding an amount that is not supported by law or the original debt agreement
Company Profile: Client Financial Services of Michigan, LLC
If you are being called by Client Financial Services of Michigan, LLC information about the company is below.
Client Financial Services of Michigan, LLC is a debt collection law firm located in Fenton, Michigan. It was established in 2006, has 51 to 200 employees, and is managed by its Vice-President, Rob Reynolds. Records archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Client Financial Services of Michigan, LLC dealt with the situation by filing lawsuits of their own.
Alleged Violations against Client Financial Services of Michigan, LLC
According to PACER, prior to July 2011, a Michigan resident was paying a medical bill in installment payments under an agreement with her medical provider. By that date, the amount outstanding was $782.19.
Client Financial Services of Michigan, LLC was hired by the successor to the provider that she was paying in installments. On or about July 6, 2011, the agency sent her a collection letter that allegedly threatened to report a balance of $807.19 to the credit bureaus if she did not promptly pay the entire amount.
On or about August 1, 2011 Client Financial Services of Michigan, LLC left a voicemail message for the Michigan resident that allegedly did not identify the caller as a debt collector. When she returned the call and spoke to a ‘James Grey’, he allegedly told her that she was in collections because she had failed to keep her payment arrangement with the original creditor. She offered to make payments by check, but Mr. Grey allegedly replied that it was against his company’s policy to accept payments any other way except by direct withdrawal from her bank account.
Feeling harassed by Client Financial Services of Michigan, LLC, she hired a consumer attorney and sued the firm for allegedly violating the FDCPA in the following ways:
- Threatening to report false information to the credit bureaus
- Using unfair or unconscionable means to collect a debt
The matter was later dismissed.
Hire an FDCPA Attorney
The phone number for this collection agency is 1-810-232-1000. If it appears your caller ID when the phone rings, it means that you are being called by Client Financial Services of Michigan, LLC. If they leave messages that do not identify them as debt collectors and imply that you have been delinquent when you are not, you should hire a consumer attorney.
If you file a claim against Client Financial Services of Michigan, LLC and win, you could potentially be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. Fighting for your rights might get you the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is Case: 2:11-cv-13756-GCS-RSW from the United States District Court for the Eastern District of Michigan.
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 Client Financial Services of Michigan, LLC, or any other third-party collection agency, you may not be entitled to any compensation.