Are you being called by Collection Bureau of Watsonville, Inc.?* Here's what you need to know.
If debt collectors have you so stressed out that you cringe every time the phone rings or you receive mail, something is seriously wrong. While collecting a debt is legal, harassing and intimidating you to this point is not. Read on to learn more about your rights as an indebted consumer.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from being bullied into bankruptcy. It regulates interactions between third-party debt collectors and those who owe money, and prohibits actions like those below.
- Threatening action they are not in a position to legally take
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Trying to collect after you have formally disputed a debt
- Demanding amounts that are inflated by ‘service charges’
- Using profane and obscene language
- Leaving vague messages that do not identify the caller as a debt collector
Company Profile: Collection Bureau of Watsonville, Inc.
If you are being called by Collection Bureau of Watsonville, Inc., information about the company is below.
Collection Bureau of Watsonville, Inc., which also does business as Pacific Credit Services, is a debt collection agency located in Watsonville, California. It was established in 1934, has approximately eight employees, and is managed by its President, David Hemrick.Records archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Collection Bureau of Watsonville, Inc. sued the agency to bring the unwanted contact to an end.
Alleged Violations against Collection Bureau of Watsonville, Inc.
According to PACER, in September 2005 Collection Bureau of Watsonville, Inc. filed a lawsuit against a California consumer to collect a medical debt. Since the last recorded payments on the debt were in 2000, they appeared to be time-barred under California law.
Feeling harassed by Collection Bureau of Watsonville, Inc., the consumer hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the character, amount, and legal status of the debt
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If either one appears on your caller ID in response to an incoming call, it means that you are being called by Collection Bureau of Watsonville, Inc.. If they sue you to collect a debt that is barred by statute, contact a consumer attorney who can help you file a claim against Collection Bureau of Watsonville, Inc.. If the case goes in your favor, you could potentially win $1,000 per FDCPA violation, plus legal fees. When a collection agency chases you for money they cannot legally collect, they may end up having to pay you instead.
*Case taken from PACER (www.pacer.gov). File number is Case 5:06-cv-05478-HRL from the United States District Court for the Northern District of California, San Jose 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 Collection Bureau of Watsonville, Inc., or any other third-party collection agency, you may not be entitled to any compensation.