Being bullied by debt collectors can harm your daily life on multiple levels. If they call you at work, everyone in the office knows that you can’t pay your debts. They interrupt your time with your family and make you afraid to check the mail.
What they won’t tell you is that such actions are illegal and you have legal means of making it stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal law that regulates the professional conduct of third-party debt collectors. If you owe a debt and a collection agency uses any of the strategies below to stress you into paying, you can sue.
- Contacting you outside of 8:00 a.m. and 9:00 p.m.
- Discussing the debt with your coworkers, neighbors, and friends
- Demanding amounts that exceed the original debt
- Sending collection letters that appear to have come from an attorney
- Using profane and obscene language
- Using an autodialer to make harassing calls
Company Profile: Codilis & Stawiarski
If you are being called by Codilis & Stawiarski, the firm’s background is summarized below.
Codilis & Stawiarski is a debt collection law office located in Houston, Texas. It opened for business in 1980, has a small staff of fewer than 10 employees, and is managed by one of the partners, Mary M. Speidel.
A review of files archived at the PACER website suggests that consumers who believed they were being harassed by Codilis & Stawiarski hired consumer protection attorneys to help them seek compensation.
Alleged Violations against Codilis & Stawiarski
According to PACER, on or about March 3, 2014, Codilis & Stawiarski, which was representing Chase Bank in a foreclosure action against a Texas consumer, received the foreclosure funds from the trustee in charge of the sale.
There were allegedly overage funds payable to the consumer, but he alleged that the firm never paid him.
Feeling harassed by Codilis & Stawiarski, he hired a consumer attorney and sued the firm for retaining money that exceeded the amount of the original debt. The matter was later settled.
Hire a Consumer Lawyer
The phone number for Codilis & Stawiarski is 1-281-925-5200. If it appears on your caller ID, be aware that Codilis & Stawiarski is trying to reach you. If they collect more than you owe and fail or refuse to refund the balance, hire a consumer attorney and file a claim against Codilis & Stawiarski.
In addition to getting your money, you could be compensated by payments of $1,000 per FDCPA violation, so when a debt collection firm presumes you don’t know your rights, show them otherwise.
Case taken from PACER (pacer.gov). File number is Case 3:15-cv-01112-P from the United States District Court for the Northern District of Texas, Dallas 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 Codilis & Stawiarski or any other third-party collection agency, you may not be entitled to any compensation.