Many of us fall behind on our bills from time to time. Health problems, job loss, and unexpected expenses can all leave us short until debt collectors start calling. However, when their calls, letters, and other forms of contact become harassing, they’ve crossed the line and actually broken the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects you from unfair and malicious debt collection practices. It acknowledges that financial distress is difficult enough without stressful and harassing communications from collection agencies, and prohibits conduct like the following:
- Excessive calling with an intent to annoy or harass
- Making physical or verbal threats
- Calling after being informed that you have legal representation regarding the debt
- Using profane or obscene language
- Calling during inappropriate hours (generally between 9:00 p.m. and 8:00 a.m.)
- Threatening to tell your friends and family that you owe money
Company Profile: Collection Excellence, LLC
If you are being called by Collection Excellence, LLC, here is some additional information about the company.
Collection Excellence, LLC is a debt collection company located in Bensenville, Illinois. It was opened for business in 2010, has less than 10 employees, and is managed by Morris G. Bartlett.
Legal records archived at the PACER website indicate that consumers who felt they were being harassed by Collection Excellence, LLC refused to pay debts that they did not believe they owed.
Alleged Violations against Collection Excellence, LLC
According to PACER, in or around January 11, 2011, Collection Excellence, LLC sent a collection letter to an Illinois consumer. On January 13, he sent the agency a letter disputing the debt and requesting no further contact, but they allegedly continued to send him demand letters.
Feeling harassed by Collection Excellence, LLC, the consumer hired an attorney and sued the company for allegedly violating his rights under the FDCPA by failing to cease communications upon receipt of the letter.
A judge ruled in favor of the plaintiff.
Hire a Consumer Lawyer
The phone number for Collection Excellence, LLC is 1-630-422-1972. If you ever see it on your caller ID, it means that Collection Excellence, LLC is trying to contact you. If you dispute the debt and they send additional letters during the 30-day dispute period, contact a consumer lawyer.
Your dispute rights are codified in the FDCPA, and if they are violated, you can file a claim against Collection Excellence, LLC. A successful claim could result in an award of $1,000 violation in addition to your attorney’s fees and court costs, so taking an unethical debt collector to court could end up being a smart decision on your part.
Case taken from PACER (pacer.gov). File number is Case: 1:11-cv-06776 from the United States District Court for the Northern District of Illinois, Eastern 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 Excellence, LLC or any other third-party collection agency, you may not be entitled to any compensation.