Is Action Collection Agency of Boston calling you? Here’s what you need to know.
When your financial troubles have reached the point that you can’t meet your monthly financial obligations, eventually debt collectors will be calling and sending letters. While they are allowed to try collecting the money you owe, they are not permitted to hasten the process using harassment or intimidation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates what third-party collectors can say or do while collecting or attempting to collect a debt. Unethical pressure tactics like those below are illegal:
- Using abusive or obscene language
- Demanding amounts that are not supported by law or the original creditor agreement
- Calling you at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. your time
- Calling you at work if you tell them that your employer does not allow it
- Threatening legal actions they cannot take or have no intention of taking
- Discussing the debt with any third party except your spouse, attorney, or co-signer
Company Profile: Action Collection Agency of Boston
Action Collection Agency of Boston is a debt collection agency located in Middleborough, Massachusetts. It was founded in 1967, has less than 10 employees, and is managed by owner Jay Gonzalez. Records retained by the PACER (Public Access to Court Electronic Records) website indicate that Action Collection Agency of Boston has been accused of FDCPA violations in the past.
Alleged Violations against Action Collection Agency of Boston
Sharon Brimage vs. Action Collection Agency of Boston
According to PACER** , in February 2016, Massachusetts resident Sharon Brimage began receiving calls from a phone number she did not recognize. On February 8, she returned the calls to find out who had been repeatedly calling her and for what purpose. When she confirmed her identity with the party who answered, the representative advised her that the calls she had been receiving were from “Action Collection Agency of Boston.” Ms. Brimage later claimed that this person did not warn her that the communication was with a third-party debt collector attempting to collect a debt and/or that any information obtained would be used for that purpose.
She hired a consumer attorney and sued Action Collection Agency of Boston for allegedly violating the FDCPA by using false, misleading and deceptive means to collect a debt.
The matter was later voluntarily dismissed.
Hire an FDCPA Attorney
The phone numbers for Action Collection Agency of Boston are:
If either of these numbers appear on your caller ID when the phone rings, a debt collector is on the line. If they do not leave messages that meaningfully disclose their identity and purpose, hire a consumer attorney who can help you take action against the company. You could potentially be awarded $1,000 per FDCPA violation as well as attorney’s fees, court costs, and any actual damages. Lack of transparency can cost Action Collection Agency of Boston in the long run.
**Case taken from PACER (www.pacer.gov). File number is (Case 1:16-cv-10980-FDS from United States District Court for the District of Massachusetts)
The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Action Collection Agency of Boston or any other third-party collection agency, you may not be entitled to any compensation.