Thousands of Americans are struggling with huge amounts of personal debt. If you are being contacted by debt collectors about overdue credit card bills, medical debt payments, and other obligations, it’s important to know that they have to be professional when communicating with you. To behave otherwise is illegal under federal law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) grants rights and protections to indebted consumers. It also prohibits third-party collection agencies from using pressure tactics like the following to make you pay.
- Calling at all hours of the day and night
- Claiming that you can be arrested or sent to jail for not paying your debts
- Harassing you even after you have retained an attorney regarding the debt
- Using profane and abusive language
- Calling you at work after you tell them that you can’t take personal calls there
- Contacting your friends and family and telling them that you owe money
Company Profile: Collections Acquisition Company, LLC
If you are being called by Collections Acquisition Company, LLC, information about the company is below.
Collections Acquisition Company, LLC, which also does business as Payliance, is a debt collection company located in Columbus, Ohio. It was established in 2008, has approximately 125 employees, and is managed by its CEO, John Cullen.
Civil litigation files archived at the PACER (Public Access to Court Electronic Records) website suggest that consumers who believed they were being harassed by Collections Acquisition Company, LLC used the court system to fight back.
Alleged Violations Against Collections Acquisition Company, LLC
According to PACER, in or around early 2012, Collections Acquisition Company, LLC allegedly sent a collection letter to a Florida consumer. She sent a cease and desist letter, disputed the debt, and demanded its verification.
The company allegedly failed to send the required information, but mailed out another collection letter on or before July 17, 2012.
Feeling harassed by Collections Acquisition Company, LLC, the consumer hired a consumer attorney and sued the company for allegedly violating the FDCPA by reporting inaccurate information to the credit bureaus. The matter was later settled.
Hire an 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 Collections Acquisition Company, LLC. If they ignore your dispute communications and refuse to validate the debt, hire a consumer attorney. You may also want to investigate your state’s own debt collection laws to see if they will help fortify your case.
You could potentially win $1,000 per FDCPA violation plus all associated costs if you file a claim against Collections Acquisition Company, LLC. Never be afraid to exercise the rights and protections that the law gives you.
*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 Collections Acquisition Company, LLC, or any other third-party collection agency, you may not be entitled to any compensation.
**Case taken from PACER (www.pacer.gov). File number is Case 6:12-cv-01191-GKS-GJK from the United States District Court for the Middle District of Florida, Orlando Division.