No one wants to hear from a collection agency, especially when you’re struggling financially and can’t afford to pay. When you tell them this, many of them can turn hostile and initiate a campaign of harassment and abuse. What they don’t want you to know is that by treating you this way, they are breaking federal law.
Your Rights Under the FDCPA
The Federal Trade Commission (FTC) regulates the activities of third-party collection agency activities via the Fair Debt Collection Practices Act or FDCPA. This consumer protection law prohibits actions like those below when used to collect a debt.
● Using profane and abusive language
● Telling you that you can be arrested if you don’t pay
● Talking to uninvolved parties such as your friends and family
● Refusing to validate the debt
● Using an autodialer
● Claiming to be police officers
Company Profile: CMCS, Inc.
If you are being called by CMCS, Inc., here are some additional company details.
CMCS, Inc., which also does business as Central Mercantile Credit Services, is a debt collection agency in Brighton, Michigan. It opened for business in 1987, has 15 employees, and is managed by Dale H. Smith. An examination of legal records at the PACER website show that people who believed they were being harassed by CMCS, Inc. filed FDCPA claims.
Alleged Violations against CMCS, Inc.
According to PACER, on or around February 23, 2011, CMCS, Inc. allegedly tried to collect a debt from a Michigan consumer by calling his mother. When she said that her son did not reside with her, the collector allegedly provided her with details about the debt and told her to get him to call the agency.
Feeling harassed by CMCS, Inc., the consumer sued the company for:
● Using harassing means to collect a debt
● Discussing debt information with his mother
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you see them on your caller ID at any time, CMCS, Inc. is on the line. If they share information about your alleged debt with members of your family, get a free case evaluation from a consumer lawyer and file a claim against CMCS, Inc. You could potentially be awarded $1,000 per FDCPA violation plus court costs and attorney fees. When a debt collector mistreats you, taking legal action can get you the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-00225-RHB from the United States District Court for the Western District of Michigan, Southern 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 CMCS, Inc. or any other third-party collection agency, you may not be entitled to any compensation.