Have financial problems become so overwhelming that you can no longer pay your bills, causing collection agencies to start calling you? Although this may not be a huge consolation, you are not alone.
A more encouraging fact is that federal law requires debt collectors to treat you with respect when they contact you and penalizes them if they don't.
Your Rights Under the FDCPA
The Fair Debt Collections Practices Act (FDCPA) protects the rights of indebted consumers by giving them the right to dispute a debt and request no more contact from the debt collector. It also sanctions collection agencies that try to compel payment in the following ways:
- Using profane and obscene language
- Showing up at your house to intimidate you
- Disguising the fact that they are debt collectors trying to collect a debt
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you several times per day using an autodialer
- Reporting false information to the credit bureaus
Company Profile: CollectionWorks, Inc.
If you are being called by CollectionWorks, Inc., additional details about the agency are below.
CollectionWorks, Inc., which also does business as L C A Services, is a debt collection agency in Duluth, Georgia. It was established in 2001, has 35 employees, and is managed by its President, Russ Aschoff Sr. Archived litigation files at the PACER website indicate that consumers who believed that they were being harassed by CollectionWorks, Inc. opted to sue the agency instead.
Alleged Violations against CollectionWorks, Inc.*
According to information on the PACER website, in or around early 2013, CollectionWorks, Inc. started calling a Georgia consumer to collect a debt.
She alleged that the company left voice messages that did not identify it as a debt collector, and that it never validated the debt. She also claimed that it imposed a collection fee that was invalid under Georgia law.
Feeling harassed by CollectionWorks, Inc., the consumer hired counsel and sued the agency for:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Failing to identify itself a debt collector in all communications
- Misrepresenting the character, amount, or legal status of the debt
- Failing to send a debt validation letter
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID when your phone rings, CollectionWorks, Inc. is on the line and trying to contact you about an alleged debt.
If they don’t identify themselves properly in all communications and impose illegal collection fees, hire a consumer lawyer and file a claim against CollectionWorks, Inc.
Case taken from PACER (www.pacer.gov). File number is Case 1:13-cv-02566-WBH from the United States District Court for the Northern District of Georgia, Atlanta 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 CollectionWorks, Inc. or any other third-party collection agency, you may not be entitled to any compensation.