Are You Being Called By Collecto, Inc.?*

Are you being called By Collecto, Inc.? There are some things you should know.

The average U.S.household carries a revolving credit card balance of $15,000, which means that thousands of people are applying a high portion of their income towards interest payments each year.

When they can no longer maintain these payments, collection agencies will soon start calling, and many of them do not hesitate to use pressure tactics to get money.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, grants rights to indebted consumers. It also prohibits third-party collection agencies from using abusive methods like the following to make you pay faster.

• Calling at all hours of the day and night
• Harassing you even after you have retained an attorney regarding the debt
• Calling you at work after you tell them that you can’t take personal calls there
• Threatening to take you to court, garnish your wages, or have you arrested
• Failing to identify themselves as debt collectors in every communication
• Using profane or obscene language

Company Profile: Collecto, Inc.

Collecto, Inc., which also does business as EOS CCA, is a debt collection agency located in Norwell, Massachusetts, with regional offices throughout the United States. It was established in 1991, has over 1,000 employees, and is managed by its CEO, Paul E. Leary Jr.

The company has been the subject of several complaints on online forums. According to lawsuit records retained by the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by Collecto, Inc. hired attorneys and demanded compensation.

Alleged Violations against Collecto, Inc.

According to PACER, prior to January 2014 an Illinois resident incurred a telecommunications debt valued at $177.32. After August 2014 she was contacted by an agent of Collecto, Inc.

During this conversation, she was allegedly offered a “one-time offer” to satisfy the account in full by payment of one-half ($ 88.66) of the total amount claimed. The agent allegedly added that if the payment was made within 30 days, she would receive a letter stating that the account was paid in full.

The Illinois resident made the $ 88.66 payment, yet did not receive the letter stating her account was satisfied. On October 24, 2014, she received a collection letter from CBE Group attempting to collect the alleged remaining balance of the aforementioned debt.

Feeling harassed by Collecto, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA by using false, deceptive, and misleading means to collect a debt.

Hire an Attorney

The phone numbers for this collection agency are:

• 1-781-753-4990
• 1-800-886-9177
• 1-781-753-4368
• 1-877-395-5997

If you see any of them on your caller ID in response to an incoming call, be aware that you are being called by Collecto, Inc.

If they offer you settlement deals that are not honored after they receive your money, hire a consumer attorney right away. If you file a claim against Collecto, Inc. and the judge rules in your favor you could potentially receive $1,000 per FDCPA violation in addition to statutory damages and legal costs.

When a debt collector violates your rights, the law gives you the ability to fight back.

**Case taken from PACER (www.pacer.gov). File number is Case 3:15-cv-00879-SMY-DGW from the United States District Court for the Southern District of Illinois.

*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 Collecto, Inc., or any other third-party collection agency, you may not be entitled to any compensation.