Are debt collectors calling you on a daily basis? Making threats that leave you afraid to pick up the phone? While collection agencies are legally permitted to contact you about settling an outstanding account, they are not allowed to chase you to the extent that you feel harassed.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA grants you the right to dispute a debt and tell collection agencies to stop to stop calling them. It also regulates what debt collectors can say or do and prohibits tactics like those below.
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Discussing the debt with your family (with the possible exception of your spouse), friends, and co-workers
- Calling you at work after you tell them that you can’t take personal calls there
- Failing or refusing to identify themselves as debt collectors trying to collect a debt
- Using profane or obscene language
- Making threats they have no intention of following up on, such as seizing your house or having you arrested
Company Profile: Coface Collections North America, Inc.
If you are being called by Coface Collections North America, Inc. information about the company is below.
Coface Collections North America, Inc. is a debt collection agency located in East Windsor, New Jersey, with branch offices all over the country. It was established in 1946, has over 10,000 employees, and is managed by its CEO, Fredrik Murer. Records on file at the PACER (Public Access to Court Electronic Records) website reveal that consumers who believed they were being harassed by Coface Collections North America, Inc. chose to fight back in court.
Alleged Violations against Coface Collections North America, Inc.
According to PACER, in or about early 2012, Coface Collections North America, Inc. allegedly began to call a Colorado resident about an alleged debt. During one conversation, the collector allegedly told him that he had to pay the debt or it would remain on his credit report indefinitely.
Feeling harassed by Coface Collections North America., Inc.,he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Harassing him by phone
- Using false, deceptive, and misleading means to collect a debt
- Using abusive and harassing methods to collect a debt
- Calling without disclosing the identity of the debt collection agency.
- Misrepresenting the character, amount and legal status of the debt.
- Misleading him into believing the communication was from a law firm or an attorney.
- Failing a validation notice stating the amount of the debt.
The matter was later dismissed.
Hire a Creditor Harassment Attorney
The phone numbers for this collection agency are as follows:
If you see either of these numbers on your caller ID when the phone rings, it means that you are being called by Coface Collections North America, Inc.. If they threaten to ruin your credit if you don’t pay what they are demanding, hire a consumer attorney. If you file a claim against Coface Collections North America., Inc. with your attorney’s help and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. The law is on your side when debt collectors cross the line, so never be too intimidated to fight back.
*Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-02284-CMA-MEH from the United States District Court for the District of Colorado.
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 Coface Collections North America, Inc., or any other third-party collection agency, you may not be entitled to any compensation.