Are you being called by Collection Company of America?* Here's what you need to know.
When debt collectors are unethical, they bank on the notion that you are unaware of your rights as an indebted consumer. Many people assume that owing money gives collection agencies the right to bully, threaten, and harass them until they pay. Don’t make the same mistake. If a collector treats you in such a manner, you can sue them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires third-party collection agencies to be respectful and businesslike when communicating with consumers about a debt. Abusive strategies like those listed below are illegal and can result in significant penalties:
- Calling you at inconvenient times and places, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Leaving voice messages that do not identify the collector and the reason for their call
- Revealing details about the debt with anyone but you, your spouse, or your attorney
- Pretending to be attorneys, police officers, or federal agents
- Using profane and abusive language
- Demanding outrageous ‘fees’ in addition to the original debt
Company Profile: Collection Company of America
If you are being called by Collection Company of America, information about the company is below.
Collection Company of America, also known as EOS CCA, is a debt collection company located in Norwell, Massachusetts. It was established in 1987, has approximately 881 employees, and is managed by its CEO, Paul Leary Jr. Records archived at the PACER (Public Access to Court Electronic Records) website indicate that people who believed they were being harassed by Collection Company of America chose to fight back instead of cave in.
Alleged Violations against Collection Company of America
According to PACER, in or around 2009 Collection Company of America started attempting to collect a debt from a New York consumer. He later complained that the company called him up to five times a week over a debt that he insisted he had already paid to the creditor. When the consumer requested a 30-day validation notice, it was allegedly refused.
Feeling harassed by Collection Company of America, the consumer hired a consumer attorney and sued the agency for allegedly violating the FDCPA in the following ways:
- Misrepresenting the character, amount or legal status of the debt
- Harassing him by phone
- Using false, deceptive, and misleading means to collect a debt
- Failing to send a debt validation notice
The matter was later settled.
Hire an Attorney
The phone numbers for this collection agency are:
If either one appears on your caller ID when the phone rings, it means that you are being called by Collection Company of America. If they call you repeatedly and harass you over a debt that has already been paid, hire a consumer attorney. If you file a claim against Collection Company of America,, you could be awarded $1,000 per FDCPA violation plus damages and any associated costs. Stand up for yourself if a debt collector harasses you, as the law is on your side.
*Case taken from PACER (www.pacer.gov). File number is Case 2:10-cv-04420-JFB-ETB from the United States District Court for the Eastern District of New York.
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 Company of America, or any other third-party collection agency, you may not be entitled to any compensation.