Are debt collectors hounding you day and night? Remember: just because you are being chased for a debt doesn’t mean that you actually owe it.
A glance at the headlines confirms that collection agencies are harassing the wrong debtors or trying to collect debts that are either time-barred or been paid already.
If this happens to you, a consumer lawyer can help you fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that limits what third-party collection agencies can do when dealing with indebted consumers.
Below is a list of some collection actions that can result in fines or license revocation.
- Using vulgar and inappropriate language
- Calling you at work after you’ve told them that your boss doesn’t allow such calls
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
- Threatening to have you arrested
- Reporting false information to the credit bureaus
Company Profile: Collection Specialists, Inc.
If you are being called by Collection Specialists, Inc., here are some insights into the agency’s background.
Collection Specialists, Inc. is a debt collection agency located in Anderson, Indiana. It was established in 1982, has less than 20 employees, and is managed by owner Jeff Rattler.
The company website states, “We are Fair Debt Collection Practices Act compliant and HIPPA compliant” but a review of related files at the PACER website indicates that consumers who felt they were being harassed by Collection Specialists, Inc. took action against the company.
Alleged Violations against Collection Specialists, Inc.
According to PACER, in or around mid-2016 Collection Specialists, Inc. started contacting an Indiana consumer to collect a medical debt.
On November 16, 2016, she physically went to the agency’s office to confirm which account they were collecting.
It turned out that there were two debts, one of which dated from 2003, making it uncollectable under the statute of limitations.
Feeling harassed by Collection Specialists, Inc., she hired a consumer lawyer and filed an FDCPA lawsuit against the agency for:
- Using untrue and deceptive means to collect a debt
- Trying to collect a time-barred debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Collection Specialists, Inc. are:
If the phone rings and one of these numbers appears, it means that Collection Specialists, Inc. is on the line.
If they call you and send letters regarding an old debt, consult a consumer lawyer and consider filing a claim against Collection Specialists, Inc.
If they are in violation of the FDCPA, you are entitled to receive up to $1,000 in statutory damages, so seek legal advice as soon as possible.
Case taken from PACER (pacer.gov). File number is Case 1:16-cv-03505-WTL-DKL from the United States District Court for the Southern District of Indiana, Indianapolis 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 Specialists, Inc. or any other third-party collection agency, you may not be entitled to any compensation.