Debt collectors are frequently aggressive when it comes to getting your money. They will call you constantly and threaten to sue you, have you arrested, or destroy your credit if you don’t pay immediately. When this happens, it is important to know your rights and act on them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates what third party debt collectors may say and do while trying to collect a consumer debt. Examples of illegal activities include:
- Swearing and calling you names
- Claiming that you have committed a crime and threatening to call the police on you if you don’t pay
- Failing or refusing to identify themselves as debt collectors in every communication
- Demanding amounts not supported by law or the original creditor agreement
- Calling you several times per day using an autodialer
- Telling uninvolved third parties like your friends and co-workers that you owe money
Company Profile: Collectech Systems, Inc.
If you are being called by Collectech Systems, Inc., information about the company is below.
Collectech Systems, Inc. is a debt collection company located in Westlake Village, California. It was established in 1998, has approximately 900 employees, and is managed by its Executive Vice-President, Steve Kent. According to civil litigation records archived at the PACER (Public Access to Court Electronic Records) website, many consumers who believed they were being harassed by Collectech Systems, Inc. chose to tackle their problem in court.
Alleged Violations against Collectech Systems, Inc.
According to PACER, on or about September 15, 2011, Collectech Systems, Inc. sent a Michigan consumer a collection letter. In response, she called the company and requested validation of the debt. She later claimed that at no point during the discussion did the representative identify themselves as a debt collector seeking a collect a debt.
When the validation arrived, it contained an ADT security contract that the consumer allegedly did not sign. She contacted Collectech Systems, Inc. and disputed the debt, saying, “I did not sign this contract. It is null and void.” One representative allegedly told her that she had to obtain a police report stating that the debt which the company was attempting to collect had been incurred as a result of fraud, and until she did so, collection attempts would continue.
Feeling harassed by Collectech Systems, Inc., the consumer hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Continuing to call her even after she indicated that she refused to pay
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Failing to identify itself as a debt collector in all communications
The matter was later dismissed.
Hire an FDCPA Attorney
The phone numbers for this collection agency include:
If any of them appear on your caller ID when the phone rings, it means that you are being called by Collectech Systems, Inc.. If they try to collect a debt incurred via fraud and ignore you when you dispute it, hire a consumer attorney. If you file a claim against Collectech Systems, Inc. and win, you could potentially be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. When debt collectors ignore your rights, the law gives you the ability to send them a stern reminder.
*Case taken from PACER (www.pacer.gov). File number is 2:11-cv-15666-NGE-DRG from the United States District Court for the Eastern District of Michigan.
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 Collectech Systems, Inc., or any other third-party collection agency, you may not be entitled to any compensation.