Are you being called by Collectech Diversified, Inc.?* Here’s what you need to know.
If you are deep in debt, you’re likely already stressed and upset, and debt collector harassment is the last thing you want to deal with. The good news is that no one needs to endure mistreatment because there are provisions in federal law that prohibit such mistreatment. If debt collectors are overstepping their boundaries with you, you can fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which was passed in September 1977, was designed to regulate the actions of third-party debt collectors and prevent them from harassing consumers. Prohibited actions include:
- Calling you before 8:00 a.m. and after 9:00 p.m. your time
- Using profane or obscene language
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Telling your friends, neighbors, and co-workers that you owe money
- Maliciously reporting false information to the credit bureaus
- Demanding outrageous amounts that exceed the amount of the original debt
Company Profile: Collectech Diversified, Inc.
If you are being called by Collectech Diversified, Inc., information about the company is below.
Collectech Diversified, Inc. is a debt collection company located in Lubbock, Texas. It opened for business in 1988, employs less than 10 people, and is managed by its President, Judy Jordan.
An inspection of civil litigation records on file at the PACER (Public Access to Court Electronic Records) reveals that consumers who felt they were being harassed by Collectech Diversified, Inc. refused to be intimidated and filed lawsuits in response.
Alleged Violations against Collectech Diversified, Inc.
According to PACER, on April 27, 2015, a Texas consumer pulled her credit report and saw that Collectech Diversified, Inc. was reporting a charge off or collection account. She faxed a dispute letter or on about April 29, but when she checked her credit report again on July 1, the agency allegedly failed to report the debt as disputed.
Feeling harassed by Collectech Diversified, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is 1-806-747-1122. If it appears on your caller ID at any time, be aware that you are being called by Collectech Diversified, Inc.. If you dispute a debt and they fail to report that information to the credit bureaus, contact a consumer attorney right away. If you file a claim against Collectech Diversified, Inc. for harassing you, you may win $1,000 per FDCPA violation in addition to court costs and attorney fees. When you fight back, it can literally pay.
*Case taken from PACER (www.pacer.gov). File number is Case 5:15-cv-00188-C from the United States District Court for the Northern District of Texas, Lubbock 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 Collectech Diversified, Inc., or any other third-party collection agency, you may not be entitled to any compensation.