The average modern American household carries a revolving credit card balance of $15,000. With a median interest rate of 18%, thousands of people are applying nearly 9% of their income towards interest payments each year. When they can no longer maintain these payments, debt collectors will soon start calling, and not all of them will be civil in their demands for money.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects consumers from harassment by third-party collection agencies. Debt collectors are prohibited from using pressure tactics like the following to make you pay:
- Calling you at an inconvenient time, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Pretending to be attorneys or police officers
- Discussing the debt with uninvolved third parties like your friends, family and neighbors
- Refusing to provide you with information about the debt upon request
- Threatening to have you arrested or imprisoned
- Using abusive or threatening language
Company Profile: Collection Service Center, Inc.
If you are being called by Collection Service Center, Inc., information about the company is below.
Collection Service Center, Inc. is a debt collection law office with branch outlets in Pennsylvania, West Virginia and Maryland. It was established in 1976, has approximately 10 to 19 employees, and is managed by its owner, Jim Simmermon. Records retained by the PACER (Public Access to Court Electronic Records) website suggest that several consumers who believed they were being harassed by Collection Service Center, Inc. asserted their rights in court.
Alleged Violations against Collection Service Center, Inc.
According to PACER, beginning in or before September 2014 Collection Service Center, Inc. allegedly started calling a Pennsylvania resident on a regular basis about a credit card debt. He later claimed that the company never sent him any debt verification information, but was relentless in contacting him.
Feeling harassed by Collection Service Center, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and oppressive means to collect a debt
- Failing to validate the letter on request
The matter was later dismissed.
Hire an FDCPA Attorney
The phone numbers for this collection agency are:
If any of these numbers appear on your caller ID, be advised that you are being called by Collection Service Center, Inc.. If they harass you by phone and refuse to validate the debt, hire a consumer attorney. If you file a claim against Collection Service Center, Inc.with your attorney’s assistance, you could potentially be awarded $1,000 per FDCPA violation plus damages and costs, so never believe that debt collectors can abuse you without consequence.
*Case taken from PACER (www.pacer.gov). File number is Case 2:15-cv-00750-NBF from the United States District Court for the Western District of Pennsylvania.
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 Service Center, Inc., or any other third-party collection agency, you may not be entitled to any compensation.