Are you being called by Clovis & Roche, Inc.?* Here's what you need to know.
Debt collectors can be nasty and even verbally violent when they refuse to play by the rules. They threaten to destroy your credit, expose you to friends and family, and call you vicious names. What they DON’T do is admit that what they’re doing is illegal, and that if you complain, you can get them shut down.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed by Congress in 1977 to stop the growing number of bankruptcies attributable to debt collector harassment. Since then, it has been illegal for third-party collection agencies to use tactics like those listed below to collect a debt:
- Using profane and obscene language
- Discussing the debt with anyone except you, your spouse, and your attorney
- Telling you that you can arrested or imprisoned for nonpayment of a debt
- Failing or refusing to identify themselves as debt collectors in every communication
- Using the telephone to harass you with constant calls
- Refusing to prove that a debt is valid and they are authorized to collect it
Company Profile: Clovis & Roche, Inc.
If you are being called by Clovis & Roche, Inc., information about the company is below.
Clovis & Roche, Inc. is a debt collection company located in Hammond, Louisiana. It was established in 1988, has approximately 50 to 99 employees, and is managed by its Vice-President of Operations, Deanna Causey. According to litigation files available for public viewing at the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Clovis & Roche, Inc. went to court to seek damages.
Alleged Violations against Clovis & Roche, Inc.
Cherry Padilla and Juan Leon Padilla II vs. Clovis & Roche, Inc. et al*
According to PACER, on October 18, 2006 Juan Leon Padilla II received a call from a Clovis & Roche, Inc. collector who identified himself as Alvin Russell. Mr. Russell demanded payment for loans related to Cherry Padilla’s immigration to the U.S.. During this call, Mr. Padilla informed Mr. Russell that Ms. Padilla was not at home and was at her workplace. Mr. Russell allegedly did not identify himself as a debt collector and forcefully insisted that he needed Ms. Padilla’s phone number at work. Feeling obligated, Mr. Padilla provided the number.
Soon afterwards, Mr. Russell called Ms. Padilla’s place of employment and asked the receptionist for the fax number. Hel then sent a ten-page fax with the following message of the first page: “TO AVOID ‘DEPORTATION’ – YOU NEED TO SUBMIT PAYMENT IN FULL ‘IMMEDIATELY.’”
Feeling harassed by Clovis & Roche, Inc., the Padillas hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to identify itself as a debt collector in all communications
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable 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 these numbers on your caller ID at any time, it means that you are being called by Clovis & Roche, Inc.. If they are verbally abusive and embarrass you at work, hire a consumer attorney. Should you opt to file a claim against Clovis & Roche, Inc., you could be awarded $1,000 per FDCPA violation. Even if you actually owe money, you have rights that debt collectors ignore at their own risk.
*Case taken from PACER (www.pacer.gov). File number is Case 1:07-cv-00267-TJM-DRH from the United States District Court for the Northern District of New York.
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 Clovis & Roche, Inc., or any other third-party collection agency, you may not be entitled to any compensation.