Is Collect It, LLC calling you?* Here's what you need to know.
If you are so deep in debt that accounts have gone into collections, debt collectors will start to call and send letters. Don’t let them pressure you into payments you can’t afford: if they go so far as to harass you, you have the legal right to tell them to stop.
Your Rights Under the FDCPA
Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from being unfairly treated and abused by third-party debt collectors. Under this federal law, a collection agency may not use tactics like the following to pressure you into paying:
- Swearing and using profane language
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Showing up at your house to intimidate you
- Threatening legal action they have no intention of taking
- Demanding amounts that are inflated by ‘service charges’
- Failing or refusing to prove a debt exists and they are authorized to collect it
Company Profile: Collect It, LLC
Collect It, LLC is a debt collection agency located in Mount Laurel, New Jersey. It was established in 2007, has less than 10 employees, and is managed by Gary Campbell. Records retained by the PACER (Public Access to Court Electronic Records) website confirm that the Collect It, LLC has been accused of debt collection practices that violate the FDCPA.
Alleged Violations against Collect It, LLC
According to PACER, in early 2013 a Collect It LLC agent called the parents of a New Jersey consumer and allegedly left a voicemail stating that she was collecting a debt on a bail bond obligation the consumer had signed years earlier. When the consumer disputed the debt, the agent allegedly said she should “get ready”, as investigators would show up at her home and search her residence. This threat was allegedly followed by letters that did not identify the sender as a debt collector, nor explain how the debt amount was calculated. When this amount included ‘late fees’ and ‘processing fees’, the consumer hired a consumer attorney and sued Collect It, LLC for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, or misleading representation in connection with the collection of a debt.
- Failing to indicate that all communications were from a debt collector
- Misrepresenting the character, amount or legal status of the debt
- Threatening to take action that could not legally be taken
- Using unfair and unconscionable means to collect a debt
- Trying to collect an amount not supported by law or the original creditor agreement
The matter was later settled.
Hire an Attorney
The phone number for Collect It, LLC is 1-856-552-0776. If you see this number on your caller ID when the phone rings, a debt collector is trying to contact you about a delinquent obligation . If they threaten you with legal action and inflate the debt with unauthorized fees, hire a consumer attorney. If you sue Collect It, LLC. you could potentially be awarded $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. Standing up to a debt collector could put them in debt to you as well.
*Case taken from PACER (www.pacer.gov). File number is Case 1:13-cv-02452-JBS-AMD from the United States District Court for the District of New Jersey.
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 Collect It, LLC or any other third-party collection agency, you may not be entitled to any compensation.