Are you being called by CMRE Financial Services, Inc.?* Here's what you need to know
Debt collectors are well-known for using bullying and harassing strategies calculated to make a person pay a debt immediately and in full. A lot of these tactics violate federal law, so if you find yourself dealing with a collection agency that’s out to pressure you into paying, read on.
Your Rights Under the FDCPA
While debt collectors are legally allowed to contact you, the Fair Debt Collection Practices Act (FDCPA) prohibits them from deceiving or intimidating you into paying. They are also limited in how often they can call you, and as well as the time frame. Collectors who use methods like the following are breaking the law.
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Contacting your at work after learning that the employer does not permit such calls
- Demanding amounts that exceed the original debt total
- Calling your friends, neighbors, and co-workers and telling them that you owe money
- Intentionally reporting false information to the credit bureaus
- Using profane and obscene language
Company Profile: CMRE Financial Services, Inc.
If you are being called by CMRE Financial Services, Inc., information about the company is below.
CMRE Financial Services, Inc. is a debt collection company located in Brea, California. It was established in 1996, has approximately 320 employees, and is managed by its President, Sandy Lawrence. According to the company website, it specializes in collecting healthcare debt. Records on file at the PACER (Public Access to Court Electronic Records) website confirm that people who felt that they were being harassed by CMRE Financial Services, Inc. filed lawsuits to challenge the company’s claims.
Alleged Violations against CMRE Financial Services, Inc.
According to PACER, sometime around or before April 2015, CMRE Financial Services, Inc. called a California resident regarding a medical debt. He faxed a letter to the agency demanding an immediate cessation of all communications, but CMRE Financial Services, Inc. allegedly called him using an autodialer on or around May 5. This communication was followed by at least two more collection letters.
Feeling harassed by CMRE Financial Services, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA by:
- Contacting him directly after receiving a cease communications request
- Using unfair and unconscionable means to collect a debt
- Using oppressive and harassing 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 either of them on your caller ID, it means that you are being called by CMRE Financial Services, Inc.. If they ignore a cease communication request and apply pressure to make you pay, contact a consumer attorney. Abusing consumers is against the law, and if you file a claim against CMRE Financial Services, Inc., you may receive $1,000 per FDCPA violation plus court costs and attorney fees. When you stand up to an unethical debt collector, they can end up in debt to you instead.
*Case taken from PACER (www.pacer.gov). File number is Case 8:15-cv-01380-CJC-KES from the United States District Court for the Central District of California.
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 CMRE Financial Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.