Although your student loans and medical bills are in arrears because you were laid off, the debt collector calling you every day doesn’t care. They simply demand payment in aggressive and condescending terms and even accuse you of being a deadbeat.
Don’t tolerate such mistreatment: it’s illegal and you can fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which was passed in September 1977, is a consumer protection law intended to keep third-party collection agencies from harassing indebted consumers. Illegal actions under this statute include:
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Trying to make you pay a debt discharged in an earlier bankruptcy
- Demanding amounts not supported by law or the original creditor agreement
- Leaving abusive and threatening voicemails
- Discussing the debt with anyone except you, your spouse, and your attorney
- Pretending to be lawyers and federal agents
Company Profile: Coast Professional, Inc.
If you are being called by Coast Professional, Inc., a wider company overview is below.
Coast Professional, Inc. is a debt collection agency located in Geneseo, New York, with a branch office in West Monroe, Louisiana. It was established in 1976, has 354 employees, and is managed by Annmarie Buchanon.
Litigation files viewable at the PACER website reveal that consumers who believed they were being harassed by Coast Professional, Inc. chose to sue the company instead of pay what they didn’t believe they owe.
Alleged Violations against Coast Professional, Inc.
According to PACER, on or around June 18, 2012, Coast Professional, Inc. started contacting a California consumer to collect a debt. He later alleged that debt collectors threatened to garnish his wages, spoke to one of his co-workers about the debt, and did not send him a debt validation letter.
He added that the collectors did not always identify themselves properly in all communications.
Feeling harassed by Coast Professional, Inc., the consumer obtained legal counsel and sued the agency for allegedly violating his rights by:
- Mentioning the debt to third parties
- Using false, deceptive, and misleading means to collect a debt
- Threatening to garnish his wages
- Threatening legal action it had no intention of taking
- Failing to identify itself as a debt collector in all communications
- Failing to send a debt validation letter
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If any of these numbers show up on your caller ID when the phone rings, it means that you are being called by Coast Professional, Inc. If they make aggressive legal threats and otherwise abuse your rights under the FDCPA, hire a consumer attorney and file a claim against Coast Professional, Inc.
You could be awarded statutory damages and have your court costs and attorney fees covered, so never be hesitant about acting on the rights that the law gives you.
- Has a Debt Collector Used Profane Language?
- Did a Debt Collector Identify Themselves to a Third-Party?
Case taken from PACER (pacer.gov). File number is Case 1:12-cv-00991-AWI-BAM from the United States District Court for the Eastern 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 Coast Professional, Inc., or any other third-party collection agency, you may not be entitled to any compensation.