People everywhere are being chased by collection agencies for debts they don’t owe or can’t afford. It’s a difficult situation that feels even worse when the debt collector is determined to bully you into paying. If this happens to be the case with you, learn more about how you can protect your rights.
Your Rights Under the FDCPA
In 1977, the Fair Debt Collection Practices Act, or FDCPA, was passed to regulate the actions of third-party debt collectors. Today, any collection agency that uses strategies like those below with indebted consumers can be fined or lose their license.
● Using profane or obscene language
● Calling at unreasonable and inconvenient times
● Threatening legal actions that they have no intention of taking
● Failing to identify themselves as debt collectors in every communication
● Harassing you by phone
● Trying to collect amounts that are not authorized by law
Company Profile: Coastal Mitigation Associates
If you are being called by Coastal Mitigation Associates, below is an overview of the company and its operations.
Coastal Mitigation Associates, which also does business as Shekinah, Inc., is a debt collection agency located in Huntington Beach, California. It was founded in 2000, has over 50 employees, and is managed by its President, Cecilia Trent. PACER website records suggest that consumers who believed that they were being harassed by Coastal Mitigation Associates challenged the payment demands.
Alleged Violations against Coastal Mitigation Associates*
According to information on the PACER website, in or around April 2007, Coastal Mitigation Associates allegedly tried to collect a credit card debt from a deceased Pennsylvania consumer by contacting his widow. She insisted that she did not owe it, but collectors allegedly continued to harass her by phone.
During one conversation on or around May 14, 2008, one collector allegedly told her that if she did not pay her late husband’s debt, she would be sued.
Feeling harassed by Coastal Mitigation Associates, the consumer sued the agency for:
● Using harassing and abusive means to collect a debt
● Using false, deceptive, and misleading means to collect a debt
● Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection company is 1-714-475-5460. Seeing it on your caller ID means that Coastal Mitigation Associates is trying to collect a debt from you. If they demand that you pay a deceased loved one’s debt and threaten a lawsuit if you don’t pay, hire a consumer lawyer and file a claim against Coastal Mitigation Associates. You could potentially be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages, so never let embarrassment over owing money hold you back
*Case taken from PACER (www.pacer.gov). File number is Case 2:08-cv-02851-LDD from the United States District Court for the Eastern District of Pennsylvania.
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 Coastal Mitigation Associates or any other third-party collection agency, you may not be entitled to any compensation.